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There must be circumstances that caused charges to be NEVER brought against senior bank executives in one of the biggest financial failures in U.S. history. Our economy has not recovered, and the banks have not fixed the problems that created this fiasco in the first place. Banks colluded and created risky financial instruments and violated their fiduciary duties to U.S. citizens and institutions in the U.S. and abroad for YEARS without repercussions. There absolutely is fraud. Any 5-year old can tell you that.