i see where you're coming from. i think using that framework the ideal constraint would be something like 1.2X or maybe at the very most 1.5X. this leads to ov

i see where you're coming from. i think using that framework the ideal constraint would be something like 1.2X or maybe at the very most 1.5X. this leads to overpaid janitors and underpaid execs, which is the desired result of the policy. it sucks having to find a new janitor because things get dirty in the meantime, but there are a billion execs out there and most of them should be doing very little other than keeping the ship stable most of the time. holding people's money safely is not an occupation for people who can afford to treat money carelessly in their personal lives. i know that these are "stupid" and petty things, but i think little petty things like this add up into a corporate culture if you have enough of them. the corporate culture of this hypothetical bank would do a lot to add to its branding and also its credibility. honestly i wouldn't even be proposing extreme measures like these (or advocating that the execs should be doing very little) if i didn't think it was necessary for the concept, which i've now put far too much effort into :p