First, unlike Yale, few investors have a reliable source of new funds coming in each year through fund raising or an annual fund.

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Turn the funds over to reliable banks subject to international regulatory requirements.

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One question: Which ranking service of offshore funds have you found to be reliable?

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The bank, with operations in more than 100 countries and businesses that run the gamut from consumer loans to hedge funds, is too big to effectively manage itself and too massive to get any kind of reliable growth, or so the critique goes.

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