Well of course they were. What exactly made anyone think they'd actually changed anything, other than time and a bit of marketing? What they were doing at the t

Well of course they were. What exactly made anyone think they'd actually changed anything, other than time and a bit of marketing? What they were doing at the time of the financial crisis was illegal then, and this is illegal now. It turns out when the financial incentive is big enough, people will commit crimes! Especially when they're in an institution that seems to prize making money and "being clever" above following the law.