The fourth flaw was the market's over-reliance on ratings as a short cut to assessing risk.
But Mr De Vol warns that over-reliance on revenues cannot work in the long term.
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One of the most common ways that organizations become overly complex is through an over-reliance on presentations.
In England the cards could save us from simplistic league tables and an over-reliance on test scores.
But our over-reliance on fossil fuels has become so acute it interferes with every geopolitical decision we make.
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The spending review aims to set northern England on a different path, away from over-reliance on the public sector.
These figures, though, tend to suggest that over-reliance on altitude is not doing Bolivian football any long term favours.
Great Britain's main weakness has always been an over-reliance on Henman and Rusedski.
However, he said that an over-reliance on expensive "sanatoria" for TB patients was another reason for problems in Russia.
Ms Truss said an over-reliance on calculators meant children missed the rigorous grounding in mental and written arithmetic they needed to progress.
Chrome has another strike against it: a potential over-reliance on web-based computing.
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Like any other skill, over-reliance on it, can turn into a negative.
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There is also a fear of an over-reliance on foreign direct investment.
The news that HMV is to continue trading will also be welcomed by suppliers, as an over-reliance on online channels may be uncomfortable.
This contributed to banks' and industrial companies' over-reliance on short-term foreign loans, which could no longer be serviced after the currency collapsed last October.
When the Rabbi reminds the young man that his riddle relies on an impossible premise he is warning against an over-reliance on magical thinking.
"An over-reliance on the housing bubble and personal debt exaggerated income growth in the run-up to the recession, " said TUC general secretary Brendan Barber.
Consequently, over-reliance on such methods risks conferring an enormous competitive advantage on well-resourced organizations and also stifling their motivation to refine and improve their models.
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Yet Martin Kauer, chief financial officer of Converium, a Swiss reinsurer, thinks an over-reliance on bonds might be dangerous too, if interest rates rise again.
ABB's now-glaring over-reliance on financial, as opposed to material, activities.
The over-reliance on self-reported data is also called into question, and the absence of any meaningful indicators for teaching quality, personal development, or the impact of the alumni network.
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This over-reliance on rules has taken away opportunities for children to develop the critical habits of thought and behavior that will help them navigate new situations and make good judgments.
Leading US car firms have all been knocked by an over-reliance on thirsty pick-ups and SUVs, at a time when more American drivers are switching to smaller more economical cars.
"Across Scotland, we have an over-reliance on large strategic land releases but these are simply undevelopable because of the huge infrastructure costs associated with opening them up, " he said.
On the civilian side of the ledger, there has been far too little attention paid to the Pentagon's over-reliance on private contractors to do everything from tote guns to review budgets.
The global contraction in demand is now forcing the Kazakh government, which has long been criticised for its over-reliance on oil and other commodities, to seek ways of diversifying its economy.
The NHS trust said the changes were being brought in for safety reasons because it was unable to recruit suitable specialist doctors which had led to an over-reliance on temporary and agency staff.
The inappropriate prescribing of antibiotics - and an over-reliance on the drugs - has led to a rapid increase in resistant bugs and medical experts fear effective antibiotics might soon run out completely.
This will enable Chrysler to better diversify away from its over-reliance upon thirsty sports utility vehicles and minivans that have seen their popularity plummet against the backdrop of recession and higher petrol prices.
We get Amit's point, our devices have come nowhere near to maxing out the intelligence or utility that we can extract from them, but this just seems like another step toward over-reliance on technology.
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