The Shariah black box is yet another financial fad like the sub-prime market where transparency is shrouded in opacity in the mad rush to market-share and quick profits.

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Criticism about SharesPost and SecondMarket have focused on the lack of regulation and opacity behind these market-makers.

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It was just this kind of opacity that created the dislocations in market prices that made stock investing so lucrative for some.

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Speaking to the BBC, Richard Lloyd of consumer group Which? criticised the opacity and lack of competition in the energy market.

BBC: British Gas vehicle and employee