The mafia may be more competent -- ``They don't know what they're talking about when they talk about risk. The tools they use to manage risk don't work...What Mr. Dimon said is nonsense, they are using the wrong tools.  It's not a fluke, it's part of the system, in other words it will happen elsewhere.  It's building bridges, telling us these bridges can handle 500 trucks, and they break at the 3rd truck.''

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