Plugging the gaps

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Regulators and banks are working hard to plug the gaps exposed by the financial crisis. There are plenty of them: a failure to challenge model outputs and assumptions; a lack of understanding of key risks by boards of directors; use of flawed or incomplete pricing models; an overreliance on analysis provided by rating agencies - the list goes on and on. In particular, numerous investigations into the causes of the crisis have highlighted the fact that many financial institutions took a silo appr

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