AND HOW COULD I FORGET THE CREDIT RATINGS AGENCIES?

They also dropped all the balls when it came to Lehman Bros.:

Sleep-At-Night-Money Lost in Lehman Lesson Missing $63 Billion
By Bob Ivry, Mark Pittman and Christine Harper

Sept. 9 (Bloomberg) -- The biggest credit-rating firms -- Standard & Poor’s, Moody’s Investors Service and Fitch Ratings Inc. -- all gave Lehman commercial paper their highest grades to the end.