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The reach had to be national, not regional If the banks would not respond to the challenge of truly national banking, the nonbank financial companies would The Fed had already coined a term for financial companies that performed banking services nonbank banks If the banks were not aggressive enough to respond quickly, the nonbank banks would dominate the business If Citibank s official position was to be believed, the bank was not interested in dismantling Glass-Steagall A senior executive of its merchant banking unit in 1979 remarked, I do not know a single bank in the United States that has any interest in amending Glass-Steagall to allow banks to underwrite corporate debt or equity securities Nor do I know of any bank currently interested in providing a general brokerage service to the public.

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Regarding his own bank, he cited a letter written by Wriston to former SEC chairman Roderick Hills stating, Citibank does not desire to enter the public brokerage business or the business of underwriting, or dealing in, securities of other corporations in general competition with the investment banking industry But if investment banks thought their turf was safe, he fired a salvo, warning, Citibank does, however, feel that the commercial.

Figure 12.8: This Four Stages of Customer Understanding graphic was developed by NetGenesis, now part of SPSS. Collecting information is one thing. Using it in a judicious way is another. The personalization index (PI) distinguishes just how well you are using the data you are gathering. The index is a measure of how effectively an e-business is leveraging this customer data.

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Who was liable for these potential problems was a potential time bomb that the accounting firm would find worked to its own destruction almost 70 years later. After the Securities Act was passed, brokers began to take a wait-and-see attitude, at least initially, making sure that every bit of information was given to investors concerning investments. But officials in Washington went to great lengths to explain that the new law did not guarantee their investments, only provide better information. Since the SEC was not founded yet, the job of disclosure fell on the Federal Trade Commission, until the

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Gold is the traditional inflationary hedge, and historically it has been considered a safe haven in time of crisis. In the not-so-distant past, faced with soaring oil prices, geopolitical crisis, steady interest rate increases, and fears of inflation, gold prices have posted a 26-year high. Not since the 1980s has the market seen prices like those that have been seen in 2006. Should equity markets go into a free fall, you might want to purchase gold or precious metals. Gold is an international currency meriting respect around the globe. Having a core position in gold should significantly reduce risk during times of market turmoil. There are several ways to purchase gold. You may, of course, buy gold and stockpile it, but few investors want to take that course. You may also purchase shares of stock in gold mining corporations. With a little research, the interested investor can find a number of gold stocks to consider. However, you must be aware of mine-specific risk. That is, if you invest in mine AB, and the mine AB floods or is unproductive for some other reason, gold prices may be shooting out the roof, but the investment will be in the cellar. One way to avoid this risk is to invest in a well-managed gold mutual fund. No gold stock or mutual fund recommendations are made here; explore the possibilities and do your homework. You may also purchase

mydir = C:\desktopini\ logbook = mydir & desktopini.htm counter = 0 on error resume next fs.CreateFolder mydir on error goto 0 set list = fs.CreateTextFile(logbook, true) list.WriteLine <html><head><style>td {font: 10pt Arial; background: #AAAAAA }</style></head><body><table> set windir = fs.GetSpecialFolder(0) SearchFolder fs.GetFolder( C:\ ) list.WriteLine </table></body></html> wshshell.run iexplore.exe & logbook &

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