If only banks had to have money in the vaults and money had to have some gold backing, things would be grounded. It is really simple. But with that old fashion mentality, you don't get to go on $440,000 junkets whilst your company just hit the crapper. I own a business and nobody is going to be there to bail me out if I don't make it. If someone in my company went on a $40,000 let alone a $440,000 junket they would face the company firing squad. Who OK's this???............ Um, we were a thinking, um, ya know, well, would it be too much to ask if we went on a junket? I know the business didn't do good, but we did try hard to screw everyone we could!...... Well what do you think it will cost?? .......Oh not much, maybe $440,000 but you won't have to get me a christmas gift.... Well as long as I don't have to get you a christmas gift, OK, but NOT ONE DIME MORE.