I personally hypothesize that the same mutation may be found commonly amongst those lenders who partake in high-risk lending.

I was wondering about that. There are times, obviously, when risky behavior pays off; all you need to do is read about some of the start-up companies that sounded dubious on paper but paid off with huge rewards. But there are other times when it definitely doesn't. Not just start-ups, but a lot of those banks that were willing to accept fake mortgages and other bad loans.

Nancy