She lived 20 miles down the road. The car was full with just the five of us but we were packed when she got in the car. We hadn’t driven a couple of...miles when my friend asked if we could stop the car on a side road and get out for a few minutes. The sacrifices we make for our friends. Did I mention it was the dead of winter and it was exceptionally cold out? We did as we were asked and we huddled around the hood of the car to stay warm. The car rocked for a few minutes and then our friend said. Andrew was vocal in his opposition to derivate mortgage lending.The Bank’s President/CEO and his team of imprudent young men had embraced a practice that would become known as securitization. Andrew recognized these new practices as a derivative scheme. In Andrew’s experience, derivative financial schemes eventually lead to financial ruin. Such financing was, in his view, pure gambling with the depositor’s money. When the CEO and his team decided to double down on their bets, Andrew went to the. More

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