``Former Goldman Sachs banker Nomi Prins says the financial system is more risky than before the 2008 meltdown.  Prins, who wrote the best-seller "It Takes a Pillage," says, "We have greater concentration of . . . financial risk within fewer institutions.  So, we're in a situation where there is moral hazard, but there is more recklessness beneath the surface because they know they can get away with it."''

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