it wasn't mgmt ~ tho' they got the blame it's actually easily ascertained via those gushing fawning posts ad nauseam done in '09 b4 the worm turned .. i still laugh at the utter absurdity of the posts *expecting* etc to be rolled out on a national level on those vetted banks .. those were posted *during* the stall or delay of the CC till the launch .. most remember when exph was wash traded daily 40M give or take vs the 4M today <gee> with a mere 2 BILLION + more shares in the AS/OS ..
hmmmm
like i've posted *previously* what matters is what mgmt delivers .. until then most every thing else is MOOT
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