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You have the power to say "Yes." And "No." But there's a more important power. It's called "fiduciary" and it's not a woman's hygiene product. It is, however, kind of a financial hygiene product. It means that you stand up for what is "right," what is financially responsible, what is an optimal set of interests that are balanced and fair.

At the end of the day, you are the front lines of risk management for a bank and for the financial system. It's a power/responsibility balance that…matters. The world almost ended in 2008 when your brethren didn’t realize this fact.