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@danilo I obviously think the crime-doers doing the crimes are to blame here.

But the sleeping regulators are also an important part of the problem.

If you are an executive who is not comfortable with rampant criminal behavior, but you’re also not an incorruptible paragon of righteousness (as most of us are not), there’s only so long you can watch the rest of the industry do a bunch of crimes before you can start wondering “wait, are these actually crimes or is it just acceptable CODB?”