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Make no mistake. There was corrupt and criminal behaviour, too. The manipulation of the LIBOR rate, a vital interest-rate benchmark, by traders at a variety of banks and brokers is the most shocking example. But as a rule, bankers were not plotting deviously to take on absurd risks in the expectation that the state would bail them out. The truth is less sinister and more demeaning. Some of the world’s brightest minds were just ballsing things up on a grand scale.

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