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I have significant DIRECT experience using IBanks for various projects.
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Your ignorance on the subject continues to astound me. Investment banks are not TurboTax kits you buy for $19.99 at the local Office Depot. Unless you work for an institutional client, there's no way you "use" investment banks for your own "projects"--that's not the way investment banks operate. The rest of your post just lost any ounce of credibility it might have had.
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So explain to me how the two latest Wall Street debacles--the Dotcom and Mortgage mess were not all of the above?
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Either you're unintelligent or you're ignorant, but either way it tells me that you need to do some more research before you talk. You're like that kid in my philosophy class who didn't do the reading assignment and tries to incoherently talk his way out of things. Do your homework.
The Dotcom bust and subprime crisis were NOT "Wall Street debacles." They are economic problems caused by the private as well as the public sectors.
Oh, and before you post again, please think. Thanks.