I had forgotten about Gramm and the UBS link. Just goes to show you why no one from the University of Georgia ever won a Nobel Prize in Economics. http://en.wikipedia.org/wiki/Phil_Gramm#Early_life_and_university_career William Philip "Phil" Gramm (born July 8, 1942) is an American economist and politician Someone should edit his wiki page and make that American dunce. And Donald Trump should ask to see his college transcripts.