Related by context. All words. (Click for frequent words.) 65 banker 65 Bankers 65 financiers 60 stockbrokers 60 banks 59 hedgies 58 dealmakers 56 hedge fund managers 56 Wall Streeters 55 lenders 55 overeager shoppers 55 executives 54 CEOs 54 brokers 54 merchant bankers 53 accountants 53 moneymen 53 shouted Liars 52 banking 52 mortgage lenders 52 NewStar originates loans 52 fat cats 51 businessmen 51 vulture capitalists 51 mortgage brokers 51 rainmakers 51 hedge funders 51 bank 51 bulge bracket 50 corporate chieftains 50 minister Lord Myners 50 Rothschild ROT.UL 50 brokerages 49 firms 49 advisers 49 businesspeople 49 hedge funds 49 BoA Merrill 49 Lehmans 49 Illuminists 49 vultures preying 49 greedy bankers 49 central bankers 48 FDIC Bair 48 tycoons 48 salesmen 48 mortgage originators 48 politicians 48 Dimon 48 capitalists 48 banksters 48 structurers 47 hedgie 47 Gleacher Shacklock 47 BANKERS 47 Goldman Sachs 47 Myners 47 buysiders 47 Mr Munchenberg 47 megabank 47 headhunters 47 Dealmakers 47 Citigroups 47 quants 47 Ms Morparia 47 John Studzinski 47 wirehouse advisors 47 Lazards 47 Goldmann Sachs 46 Morgan Stanley MWD.N 46 investers 46 execs 46 Alexander Dibelius 46 Goldman Sachs GS.N 行情 46 del Missier 46 GUEST COMMENT 46 UBS AG UBSN.VX 46 GOLDMAN Sachs 46 machers 46 Goldman Sachses 46 JP Morgans 46 Perella Weinberg 46 Blankfein 46 Fastow Kopper 46 Willem Sels 46 Kian Abouhossein 46 Breakingviews argues 46 JPMorgan Jamie Dimon 46 bulge bracket banks 46 economist Raghuram Rajan 46 Bernie Madoffs 46 investment banker 46 stockpickers 46 nondoms 46 JP Morgan JPM.N 45 advisors 45 Samir Raslan 45 Chief Executive Dick Fuld 45 bulge bracket firms 45 accountancy firms 45 Shariah scholars 45 stockbroking firms 45 Warburgs 45 Bear Stearns 45 H. Rodgin Cohen 45 C.Suisse 45 Ponzi schemers 45 strategist Byron Wien 45 venture capitalists 45 RBS HBOS 45 Banker 45 Gerardo Braggiotti 45 bankā 45 Wall Streeter 45 shylocks 45 outsize bonuses 45 Merill Lynch 45 industrialists 45 Insolvency practitioners 45 bankers bonuses 45 Gordon Gekkos 45 bonus supertax 45 Millionaires Factory 45 Morgan Stanley MS.N 行情 45 solicitors accountants 45 John Carrafiell 45 MacBank 44 brokerage firms 44 property spruikers 44 outsized paydays 44 Pebereau 44 shysters 44 bankster 44 TexasLending.com 44 BarCap 44 George Mathewson 44 NBNK 44 Philip Augar 44 RBSRBS 44 CEO Dick Fuld 44 Goldman Sachs GS 44 Goldman Sachs Gaohua Securities 44 Matthew Koder 44 buyside 44 sub prime 44 Ms Thorat 44 AQR Capital 44 greedheads 44 RBS Lloyds 44 spivs 44 Wilmot Sitwell 44 institutional investors 44 Mr Derhalli 44 JPMorgan 44 Declan Quilligan 44 Lehman Brothers 44 Marcus Agius 44 Lehman LEHMQ.PK 44 investors 44 barristers 44 Marcel Kreis 44 Stan Wilmoth 44 Lord Myners 44 Eric Wasserstrom 44 Arab sheikhs 44 lobbyists 44 Edsparr 44 Antonio Polverino 44 stockbrokerage firms 44 Countrywide Angelo Mozilo 44 Citgroup 44 Wall Street 44 Merrill Lynch BAC.N 44 lending 43 HNW clients 43 Nomura #.T 43 paper shufflers 43 IKB Deutsche Industriebank 43 firmā 43 Nakheel bondholders 43 Lazard 43 microfinanciers 43 securitizing mortgages 43 Adebayo Ogunlesi 43 Mark Aedy 43 Brysam 43 Morgan Stanleys 43 cocos 43 strategist Ed Yardeni 43 megafirms 43 buyside traders 43 short termist 43 TBTF banks 43 consultants 43 lender 43 hedge fund mangers 43 Barry Bausano 43 Greenwich NatWest unit 43 managers 43 venture capitalists VCs 43 analyst Jon Bergtheil 43 Dick Fuld 43 Ken Moelis 43 Pierre Mirabaud 43 Bill Halldin spokesman 43 urgers 43 Bear Stearns BSC.N 43 www.bankerspetroleum.com 43 Bart Edes 43 ABN Amro Hoare Govett 43 UBS AG UBS UBSN.VX 43 Ajay Sondhi 43 sharpies 43 Goldmans Sachs 43 Whitehall mandarins 43 barons 43 Morgan Stanley 43 Harvinder Sian 43 analyst Betsy Graseck 43 regulators 43 Rothschild Cabal 43 spokeswoman Sachiko Hasegawa 43 fraudster Bernie Madoff 43 governor Patrick Honohan 43 policymakers 43 Carl Pohlad billionaire 43 corporates 43 Lehman Brothers LEHMQ.PK 43 Charlie Gasparino 43 association BdB 43 zillionaires 43 CFO Colm Kelleher 43 flim flam artists 42 Credit raters 42 editor Robert Peston 42 fatcats 42 depositors 42 BFIs 42 Michel Peretie 42 issuers 42 Super SIV 42 Bernardo Benes 42 Siddharth Mathur strategist 42 sovereign wealth funds 42 strategists 42 RHB Sakura Merchant 42 ALLIED Irish 42 deregulators 42 Mortgage originators 42 Mounting defaults 42 Citi 42 SSIA savers 42 Jonathan Chenevix Trench 42 Ian Hannam 42 hedge fund 42 plutocrats 42 Patrik Edsparr 42 Mallabraca consortium 42 Merrill Lynch MER.N 42 lender IKB 42 Tanya Wheeless 42 workers union Finsec 42 vestors 42 securitized mortgages 42 Carsten Kengeter 42 depositers 42 newfound aversion 42 securitized subprime mortgages 42 dotcom millionaires 42 macroeconomists 42 RBS LON RBS 42 WorldCom Bernard Ebbers 42 Ace Greenberg 42 LLoyds Banking Group 42 Abacus CDOs 42 lawyers 42 Jerry del Missier 42 Shari'ah scholars 42 Walid Chammah 42 carpet baggers 42 NatCity 42 Ian de Verteuil 42 Ladenburg Thalmann Bove 42 strategist Satoru Ogasawara 42 HBOS Lloyds 42 entrepreneurs 42 realtors appraisers 42 SIV lites 42 Jefferies Broadview 42 Cioffi Tannin 42 Moszkowski wrote 42 Lazard LAZ 42 realtors 42 Miller Buckfire & 42 Frank Quattrone Qatalyst Partners 42 interdealer brokers 42 VCs venture capitalists 42 Hamid Biglari 42 mercantilists 42 Tasman Mortgages 42 Mehmet Dalman 42 Landsbanki Glitnir 42 overleveraging 42 Mr Marambii 42 underwrote WorldCom securities 42 Trauber 42 Lazard banker 42 Frits Seegers 42 Epicurean Dealmaker 42 economists 42 Daniel Truchi 42 Chairman Peter Kurer 42 Anglo Saxon capitalism 42 SuperSIV 42 fatcat 42 Lloyd Blankfein Goldman 42 CEO Josef Ackermann 42 JP Morgan 42 Citigroup Vikram Pandit 42 Bear Stearns Cos 42 Barclays Capital BarCap 42 Jamie Dimon 42 Lord Keynes 42 collateralised debt 42 stockbroker Cazenove 41 speculators 41 magnates 41 invest ors 41 CitigroupC 41 Chairman Marcus Agius 41 NAB Cameron Clyne 41 LightSpeed Venture Partners 41 Ms. Morgenson 41 Swollen rivers burst 41 Edward Stotesbury 41 Barclays PLC BARC.LN 41 subprime 41 Qatalyst Partners 41 Scott Siefers 41 robber barons 41 loan originators 41 Bear Stearns Lehman Brothers 41 Dealbook 41 WorldComs 41 JPM Loading 41 Merrill Lynch 41 Soc Gen 41 Gekkos 41 Punk Ziegel analyst 41 meritocrats 41 crony capitalists 41 nouveaux riches 41 golden parachute severance 41 Commerzbank Dresdner 41 Arbuthnot Latham 41 Barclays Plc BARC.L 41 borrowers 41 salespeople 41 Wall Streetâ 41 Deryck Maughan 41 JPMorgan Dimon 41 chairman Marcus Agius 41 Richard Gnodde 41 CFO Erin Callan 41 Goldman SachsGS 41 analyst Brad Hintz 41 subprime lenders 41 analyst Stephen Girsky 41 nonexecutives 41 guru Warren Buffet 41 Stephen Hester 41 Chief Executive Jamie Dimon 41 Kengeter 41 plcs 41 Swiss regulator FINMA 41 Goldman Sach 41 Mr Buonaccorsi 41 spokesman Marc Dosch 41 mortgage servicers 41 David Wormsley 41 lawyer Bruce Rogow 41 CNBC Charlie Gasparino 41 instos 41 ceos 41 Kuhn Loeb 41 bigwigs 41 Rothschilds 41 MBAs 41 repay Tarp 41 policymaker Christian Noyer 41 marketmakers 41 M &A; finance 41 SuperReturn 41 entrepreneurs venture capitalists 41 Sagent Advisors 41 IndyMac Bancorp Inc 41 Forensic accountants 41 Minibonds 41 connivers 41 advisers PKF 41 Bart McDade 41 Tom Kalaris 41 MJSK 41 remutualisation 41 Andrea Orcel 41 Societe Generale SA #.FR 41 N.Rock 41 Tripartite Authorities 41 bear stearns 41 boss Luqman Arnold 41 firmâ 41 Olusegun Olutoyin Aganga 41 chairman Kaspar Villiger 41 nyse MER news 41 VCs 41 Istvan Zsoldos 41 pinstripe suits 41 economist Bruce Kasman 41 leveraged buyouts LBOs 41 Makram Azar 41 sugar barons 41 monetarists 41 Jim Bantis 41 Standard Chartered STAN.L #.HK 41 Elliot Weissbluth 41 Rodgin Cohen 41 ponzi schemes 41 Giethner 41 superwealthy 41 Weavering 41 Michael Natzic 41 newly minted MBAs 41 cramdowns 41 merger arbitrageurs 41 arbs 41 Executives 41 Lenders 41 hedgefund 41 HBoS 41 overlending 41 millionaires 41 businessfolk 41 nonbanking 41 Robber barons 41 valuers 41 politicos 41 Fred Goodwin 41 JP Morgan nyse JPM 41 Citigoup 41 unauthorized overdraft fees 41 BlackRock Fink 41 BofA Citi 41 BoSI 41 moral hazard 41 Kenneth Moelis 41 FBN Charlie Gasparino 41 Citibank Standard Chartered 41 intermediaries 41 subprime mortgage fiasco 41 JPM.N 40 analyst Glenn Schorr 40 superbanks 40 subprime mortgage 40 inves tors 40 Yoel Zaoui 40 moneylenders 40 deadbeat debtors 40 Mr Chronican 40 Henri Alexaline 40 Hedgies 40 Banksters 40 strategist Graham Secker 40 Goldman Sacs 40 Kazakh BTA 40 Michael Cohrs 40 SUBPRIME TODAY 40 Mr Sants 40 UBS UBSN.VX 40 Chairman Win Bischoff 40 corporate honchos 40 Hoffmann Becking 40 Peter Flavel 40 Lunchtime Links 40 Lloyds LLOY.L 40 chairman Seán FitzPatrick 40 Mr Steinbrück 40 b ds 40 secretary Antony Leung 40 cov lite loans 40 subprime mortages 40 Collateralized Debt Obligation CDO 40 wallstreet 40 plutonomy 40 Naguib Kheraj 40 Alex Wilmot Sitwell 40 subprime originations 40 Mihir Doshi 40 Union Bancaire Privee UBP 40 microlenders 40 Peretie 40 Alex Brummer 40 bondholders chiefly 40 SG Warburg 40 leveraged buyout LBO 40 treasurers 40 Leveraged buyouts 40 TARP recipients 40 insto 40 short termism 40 Rothschild 40 Leveraged buyout firms 40 PCBB 40 scammer Bernard Madoff 40 high networth individuals 40 accountants actuaries 40 Mr Horta Osório 40 David Bermingham Giles 40 Judge Rakoff 40 strategist Gerard Minack 40 McColl Partners 40 sovereign wealth 40 Andrew Kasoulis 40 INFLUENCE GAME Govt 40 defaulting debtors 40 honchos 40 Copal Partners 40 Paul Myners 40 Stephanie Villalba 40 Sfr#bn 40 Mr. Lawby 40 Blair Effron 40 instutions 40 Lexicon Partners 40 strategist Brian Belski 40 CDO write downs 40 Jacob Zamansky 40 economist Stephane Deo 40 Mr Elderfield 40 proc fees 40 strategist Adrian Mowat 40 grandees 40 UHNW clients 40 Jankiel Santos 40 Braver Stern Securities 40 Tony Tufariello 40 Opes clients 40 rentiers 40 economist Lu Ting 40 HNW individuals 40 Tim Linacre 40 Vestra Wealth 40 Paolo Pellegrini 40 TBTF 40 procyclicality 40 analyst Lori Appelbaum 40 Suki Mann 40 economist Naoki Murakami 40 oilmen 40 Enron debacle 40 fiancial 40 Bear Stears 40 broker Opes Prime 40 billionaires 40 Opes creditors 40 FDs 40 e#bn 40 Citigroup 40 George Frazis 40 alum Vikram Pandit 40 bureaucrats 40 Health Innoventures 40 auditors PriceWaterhouseCoopers 40 landesbank 40 bribers 40 Palaveev 40 Bank Governor Lamido 40 oligarchs 40 securitization 40 John Gapper 40 Shylocks 40 #pc mortgages 40 Breakingviews 40 Tom Maheras 40 subprime lending 40 Lloyds HBOS 40 Sean FitzPatrick 40 ad hoc bondholder 40 storefront payday lenders 40 raider Carl Icahn 40 financier 40 Brady Dougan 40 America BAC.N 行情 40 Matthew Elderfield 40 Lamido Sanusi 40 Credit Suisse 40 SMIEIS 40 Financiers 40 CEO Brady Dougan 40 Perella Weinberg Partners 40 CarVal 40 multi millionaires 40 Geisst 40 regulator Matthew Elderfield 40 Keynesian economists 40 Judge Kirscher 40 AG CSGN.VX 40 HBOS Lloyds TSB 40 Shorebank 40 Lazard LAZ.N 40 taxmen 40 BofA 40 multibillion dollar bailouts 40 palm greasing 40 NYGG 40 Lehman Brothers LEH.N 40 Sanusi Lamido Sanusi 40 spokesman Lord Oakeshott 40 Kenneth Courtis 40 Goldman 40 Manditch 40 Societe Generale SA GLE.FR 40 landesbanks 40 JPM Cazenove 40 private equiteers 40 Luqman Arnold 40 Goldman Sachs GS.N 40 analyst Stuart Plesser 40 Ms. Krawcheck 40 Braver Stern 40 risktaking 40 merchant banker 40 money grubbers 40 Jonathan Reoch 40 risky gambles 40 financialinstitutions 40 Littlebanc 40 Bear Sterns 40 subprime CDOs 40 superrich 40 Khuram Chaudhry 40 Wall Steet 40 subprime debacle 40 Goldman Sachs GS.N Quote 39 Credit Suisse CSGN.VX 39 Lady Vadera 39 finmins 39 massive taxpayer bailouts 39 Barclays Capital BARC.L 39 analyst Ann Duignan 39 thinly capitalized 39 Mitsubishi UFJ #.T 39 Brayan Lai credit 39 Greenspans 39 Westpoint mezzanine 39 Samir Assaf 39 Gord Nixon 39 economist Roger Bootle 39 usurers 39 regulator Liu Mingkang 39 Milbank Tweed 39 Pimco BlackRock 39 Marambii 39 Grant Kvalheim 39 bankâ 39 Merrill lynch 39 unrestrained greed 39 lavishly rewarded 39 strategist Teun Draaisma 39 goldbugs 39 economist Masaaki Kanno 39 SFr#bn 39 swindlers 39 Drexel Burnham 39 SIVs CDOs 39 reits 39 BAML 39 private equity 39 Mallabraca 39 BigLaw 39 conveyancers 39 wirehouse firms 39 Buiter 39 Lord Levene 39 Hovde Capital 39 economist Takuji Aida 39 Lead arrangers 39 Peter Meinertzhagen 39 RBS RBS.L 39 Olivant Advisers Ltd. 39 Perella Weinberg Partners LP 39 Horta Osório 39 WaMu WM 39 spruikers 39 economist Elga Bartsch 39 Neal Wolin deputy 39 vampire squid 39 banksâ 39 Ricky Okey 39 IDBI ICICI Bank 39 Luis Oganes 39 Threadneedle Street 39 Hedge funds 39 Morgan Stanley MS.N 39 Jeanne Branthover managing 39 Lazard Ltd LAZ.N 39 GreatBanc 39 banks.The 39 Maddoff 39 uncreditworthy borrowers 39 Group CS CSGN.VX 39 Seán FitzPatrick 39 Robber Barons 39 Merrill Lynch BAML 39 Ebbers WorldCom 39 chairman Peter Kurer 39 Alex Patelis 39 Ozince 39 Grübel 39 Roger Nagioff 39 Fred Brettschneider 39 TPG Bain Capital 39 Peston 39 Ihejiahi 39 Tamara Kravec 39 Bear Stearns Cos. BSC 39 analyst Arndt Ellinghorst 39 Philip Keevil 39 MFIs 39 Jimmy Cayne 39 diplomats 39 DealBreaker 39 spivvy 39 Simon Maughan 39 sokaiya 39 Scott Balice 39 hagglers 39 JPMorgan JPM 39 nonbanks 39 acquirers 39 Subprime lenders 39 governor Lamido Sanusi 39 UBS UBSN.VX Quote 39 greed 39 HBOS 39 Asset Management GSAM 39 Hugo Banziger 39 Jack Malvey 39 Vikas Agarwal strategist 39 paraplanners 39 Bob Seiwert 39 FreddieMac 39 litigators 39 blindly trusting 39 Commbank 39 Group PLC RBS.LN 39 transnational conglomerates 39 weakly capitalized 39 Asness 39 mortgage 39 BdB 39 Lazard Frères 39 Avendus 39 minting millionaires 39 hedge fund Magnetar 39 marketeers 39 scammers preying 39 Antonio Quintella 39 sellside 39 Lionel Barber 39 Northern Rock 39 Konrad Hummler 39 partially nationalize 39 shonks 39 institutions 39 stockbroker Gordon Gekko 39 JPMorgan JPM.N Quote Profile 39 Systemically important 39 Berwin Leighton Paisner BLP 39 Morningstar Kinnel 39 cosmopolitan metropolis 39 greedy 39 DBS DBSM.SI 39 Daniele Antonucci 39 Secretary Hank Paulson 39 subprime meltdown 39 Hbos 39 Perry Mehrling 39 Ciaran O'Hagan strategist 39 Chief Executive Josef Ackermann 39 sub PLR 39 UHNW 39 Otkritie 39 Stuart Gulliver 39 Siddharth Mathur 39 analyst Harm Meijer 39 Tamvakakis 39 Stephanie Dhue reports 39 Peter Acciavatti 39 Sovereign Wealth Funds 39 Cyril Shroff 39 Salomon Bros. 39 Countrywide Mozilo 39 jpmorgan 39 Petrie Parkman 39 Hank Paulson 39 CoCos 39 UBS 39 regulator FINMA 39 Bankers Associations 39 buyside firms 39 bigshots 39 Mozillo 39 GBP #bln [001] 39 Lehman Brothers LEH.N Quote 39 3i III.L 39 collateralized debt 39 Bubble Epoque 39 António Horta Osório 39 NMBZ 39 CSFB 39 CEO Jamie Dimon 39 financialized 39 crossword puzzling 39 Citigroup CN 行情 39 Baron Rothschild 39 sleazebags 39 Collateralised Debt Obligations CDOs 39 Bears Stearns Cos. 39 beancounters 39 BoA 39 Jonathan Hitchon 39 chancers 39 Pasciucco 39 Chief Executive Marcel Rohner 38 economist Rob Subbaraman 38 CFOs 38 Klaus Baader 38 German Landesbanks 38 Garrocho referred questions 38 trader Fabrice Tourre 38 analyts 38 ALEX BRUMMER COMMENT 38 bondholders 38 analyst Kohei Takahashi 38 Jitesh Gadhia 38 BBC Robert Peston 38 AG DB DBK.XE 38 chiselers 38 #.#bn writedown 38 Prof Honohan 38 Ajay Rajadhyaksha 38 civil servants 38 Updata Advisors 38 Hedge Fund Managers 38 Bear Sterns Lehman Brothers 38 AIA IPO 38 BNP Paribas BNPQY 38 Pierre Lagrange 38 credit raters 38 credit crunch 38 economist Sun Mingchun 38 Eastdil Secured LLC 38 Dresdner Kleinwort Wasserstein DrKW 38 sharebroking 38 arbitrageurs 38 wirehouse broker 38 Henry Chalian 38 traders 38 insolvency practitioners 38 James Mushore 38 Liar Poker 38 Alan Webborn 38 quangocrats 38 spendthrifts 38 Basel Accords 38 Lehman Fuld 38 wirehouse brokers 38 JPMorgan Chase 38 Felix Rohatyn 38 mortage backed 38 Invemed Associates 38 Merrill Lynch BAC.N Quote 38 richies 38 placemen 38 techies 38 Profusek 38 Stockbrokers 38 Chief Executive Robert Willumstad 38 Adam Applegarth 38 long termism 38 countercyclical buffers 38 spokesman Bill Halldin 38 Dresdner Kleinwort Benson 38 Oswald Grübel 38 Bryan Skarlatos 38 Hank Calenti 38 Imala 38 JPMorgan NYSE JPM 38 Wall Stree 38 ultrawealthy 38 Analyst Dick Bove 38 Rerngchai 38 JPMorgan Chase JPM.N 38 mezz 38 forex bureaux 38 Miller Buckfire 38 Bazoli 38 instituions 38 GRCB 38 sukuk issuers 38 QRM definition 38 MBS ABS 38 AMT Labant 38 regulator APRA 38 economist Julian Callow 38 UBI Banca UBI.MI 38 suprime 38 Edelweiss Capital Ltd 38 HSBC Holdings HSBA.L 38 inflationistas 38 analyst Andrew Obin 38 IROs 38 Terra Firma EMI 38 Standard Charted 38 finance ministers 38 EuroWeek understands 38 Morgan Stanley MWD.N Quote 38 Greenwich NatWest 38 Farooq Hanif 38 Equedia platform 38 Jamie Forese 38 Zimbank 38 BDMs 38 quango chiefs 38 Von Schimmelmann 38 derivative counterparties 38 flimflam artists 38 SJD Accountancy 38 Russian oligarchs 38 Investment Banker 38 Andrew Kearnan 38 Benjamin Lorello 38 Marcel Ospel 38 Close Brothers 38 director Karim Naffah 38 collateralise 38 leveraged buyouts 38 Wragges 38 Repo #s 38 Morgan Stanley MS.N Quote 38 Evercore Partners Inc 38 billionaire oligarchs 38 TMX LSE 38 overtrade 38 Sir Martin Jacomb 38 OTS oversaw 38 Tushar Poddar economist 38 Ms. Bartiromo 38 Shirish Apte 38 BancAnalyst 38 Stefan Jentzsch 38 shark Gordon Gekko 38 cov lite 38 Hawkpoint 38 spokeswoman Janis Tarter 38 Thain 38 Eurocrats 38 Société Générale 38 insatiably greedy 38 UBS AG UBS 38 minibonds 38 Narter 38 enterprisers 38 Mustier 38 usurious 38 Banque Indosuez 38 Futures augured losses 38 procuration fees 38 Tim Geithner 38 elites 38 NBFIs 38 Currency strategists 38 Ucis 38 IMO Car Wash 38 SBI Canara Bank 38 Teplukhin 38 minibond 38 sole bookrunning manager 38 stockbroker 38 Bankster 38 swindler Madoff 38 strategics 38 Chief Executive Brady Dougan 38 Florian Lahnstein 38 tax avoiders 38 demutualisations 38 Luqman Arnold Olivant 38 conman Bernard Madoff 38 undercapitalization