Wouldn't that be too simple, I think the stockholders are to blame, investors expect to see the profit go up, so their portfolios get fatter, I mean obviously, they’re investors, they are expecting to make a return on their money, even in hard times, I was one once, not big time, I could have been, but the management of the bank I invested in, got greedy, and it folded, and it was an old, well established bank, so is nothing sacred?