Barry Ritholtz is smart enough to be able to explain his complex sector of business in a plain-speaking way that the layperson can easily grasp. That takes talent and here's a great example today: In the light of the UBS rogue trader (kept it under wraps for three years!!??!!??...that's a big WTF in itself), Ritholtz pens "There Are No Rogue Traders, Only Rogue Banks" and you'd do well to read.