But MBf Finance apparently does not fulfill some of the other conditions of the central bank's CAMEL formula -- capital adequacy, asset quality, management efficiency, earnings performance and liquidity position.

CNN: TOUGH CHALLENGE

DG's Mr Thiemann has been instrumental in centralising the mutual banks' asset-management, payments and securities businesses, which should boost efficiency and reduce problems at outlying banks.

ECONOMIST: Germany��s alien mutuals

The second reason for building the open cloud centers around the same motivators that bring enterprises to the cloud in the first place: cost efficiency, range of service delivery options, reduced overhead and better asset utilization.

FORBES: Red Hat's Formula for an Open Cloud

Select low-cost index funds to represent asset classes, mix those asset classes to your needs, place them in proper accounts for the best tax efficiency, and let the magic of compounding do its thing.

FORBES: Investing Well Is Like Baking An Award-Winning Cake

Meanwhile, funds, angel networks and asset managers are already reaching out to us and asking us how the technology can allow them more efficiency in offerings and opportunities as well as for their investor network.

FORBES: 'Rich Man's Crowd Funding'