Ed Ketz, an associate professor of accounting at Penn State, says the reason banks are in trouble is that they invested in a lot of risky securities.

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Northern Europe has the edge, thanks to an inviting combination of less bureaucracy, a more developed legal system, better accounting systems and easier ways to transfer intellectual property, says Marco Da Rin, associate professor in finance at Tilburg University in the Netherlands.

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Quick was planning to finish his associate's degree at the college and then transfer to the University of Houston to study accounting.

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