Janice You have been around for a very long time all the way back when their was a site called Ragingbull before the year 2000 but in 1996 everything changed and I think it was connected to sabanes oxley and Clinton signing in the bank act allowing the banks to take over Wall Street For that reason that connects 9000 banks with the DTCC and the Federal Reserve then you have high frequency trading and accounts unable to issue proper statement on clearing for settlement and on top of that you have huge banks like JPM and Goldman that have 60 trillion dollars in Derrivates and then placed that liability on the Fereal Reserve board window