Interesting take on the subject from the guys at Orchard (full disclosure - I know them well), though I not fully subscribe to it. It suffices to go and meet with and listen to the Goldman guys at Marcus, and how they were and are able to create that startup feeling at this new operation, and now making a killing as they are up and running. I distinctly remember that it was the same guys who said they would fail big time etc., but so far, good luck with that. Also, and more importantly, wait until we hit the next crisis (around the corner, mind you), and things go pear shaped in a big way. You’ll see them all fall as domino’s, and happily running back to all these banks that will, once again, be all too happy to take them all back in. History never repeats itself, it rimes. I, for one, am getting ready for some fine poetry soon.