Scientists agree that musical instruments are a sign of fully modern behavior and a complex form of communication.
VOA: special.2009.08.18
It boggles the mind to think of how many bank executives over the following years had to sign off on this behavior, and how many internal controls did not exist or were bypassed.
Forty percent of people who make resolutions are usually still successful after six months, a comforting sign that people can change their behavior, and a lesson for us all.