MONDAY "They shouldn't break their arms patting themselves on the back too hard."

— William Schwartz, senior vice president at the DBRS ratings agency, advising bankers to be cautious about highlighting falling loan-to-deposit ratios. TUESDAY "Big banks were largely responsible for creating the risks that brought down the economy, both directly and also indirectly by funding nonbanks that were able to avoid federal rules and engage in particularly reckless behavior."

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