All of these problems could have been avoided if the shareholders had conducted even supracutaneous due diligence on your man -- the audit committee chairman, the Bailey, as they like to call him -- of whom, in financial circles, they speak still in whispers even today, sixty or more years after, when, through the issuance of "no-doc" loans to his friends and neighbors, he brought a simple Building and Loan Association to its knees and then, if you please, had his way with it right here in Bedford Falls.

Sam Wainwright may have bailed him out then, sure, but who will bail us out now, we hapless NYM shareholder? Henry F Potter? Don't count on it, friends, don't count on it!