And the great majority of investment advisers claim they base decisions on this theory, which falls short when it comes to accounting for the risk of borrowed money.
The system had the potential to include real-time risk analysis that could trigger the request of a PIN for a transaction that falls outside of normal parameters.
Under the scheme, if a bank's capital falls below 8% of its risk assets, the recommended minimum for institutions doing business abroad, the state would either lend money to it, buy its shares - or nationalize it.
Every drop of saliva you leave on a Styrofoam coffee cup or hair follicle that falls to the floor contains DNA that in theory can be tested for everything from ancestry to disease risk.