Risk management consultants say the models that banks use to predict the risks of their exposures don't work in these so-called "fat-tail" events, shocks that move otherwise predictable swings outside the parameters of clever computer programs and their keepers.

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From its big French curve front fenders and shield-like radiator grill to its bomb-shaped headlights to its long back deck and tail lights on graceful stalks, in its humble way the '36 is as much a work of art as the Cord 810 or the Duesenberg SJ.

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