With the help of a few guest players and the inclusion of the viola, lap steel, upright bass, mandolin, and piano, "Letter To You" has a rich sound characteristic of the 8-piece indie-pop-orchestral band Margot and the Nuclear So and So's.

NPR: Dish: 'Cold Is'

And the big banks could stick to the letter of the Basel rules and appear to be sound, when in fact they were massive, fiendishly complex and impenetrable institutions taking insane risks.

BBC: If banks are treated as naughty kids...