I don't disagree with most of what you and other posters(Zzzz1) are saying, and I do respect the fact that there are those in the industry that do uphold standards. But we will have to agree to disagree on the proportion of those who are upholding such standards. And perhaps more importantly, whether those at the top and how many of them are involved in such behaviour I have outlined and that you and others deem irresponsible and etc. It starts from the top down. I'm not saying it's anyone's firm here, but no one can say every other firm is playing by the book.