I don't understand this 'past sins' accounting in the thread. It's not 'wolf of main street' for a reason. Sure there are the bean counters in banks, but they also hire people on the ragged edge of sanity in risk management, making giant bets on incomplete information and parlaying those into more bets before the grand settling comes around. It's like those old-school cartoons of someone running across a footbridge just fast enough to stay ahead of its collapse.

The idea that a few of them aren't going to break some laws is kind of laughable. The only problem is whether or not they are penalized.