'A grade three teacher is giving a lesson on nutrition, and she decides to ask her students what they had for breakfast. To add a spelling component, she asks the students to also spell their answers.Susan puts up her hand and says she had an egg, 'E-G-G'...'Very good', says the teacher.Peter says he had toast 'T-O-A-S-T'.'Excellent.'Johnny has his hand up and the teacher reluctantly calls on him. 'I had fuck all', he says, 'F-U-C-K A-L-L'.The teacher is mortified and scolds Johnny for his rude answer.Later when the lesson turns to geography, she asks the students some rudimentary questions.Susan correctly identifies the Capital of Canada.Peter is able to tell her which ocean is off Canada's east coast.When it's Johnny's turn, the teacher remembers his rude answer from the nutrition lesson, and decides to give him a very difficult question.'Johnny, ' she asks, 'Where is the Newfoundland border?'Johnny ponders the question and finally says, 'The Newfoundland boarder is in bed with my. 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 board of directors. The directors promptly handed Andrew their request that he retire with, of course, adequate compensation for his years of service.At sixty-four, he was out of work. It was not that Andrew needed work or needed the money; he was by then a very wealthy man. He began to look around for something else to do and probably would have found it if Mary had not gotten sick. It was a double blow. The forced retirement had been bad, but Mary’s cancer was crushing.They had three children all grown his son Allen and two girls Maryjane and Jennifer. In.
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