Forgive the lack of a link. This was discussed at a lunch with fellow bankers a few years back, and one of my acquaintances had a rather detailed run-down. I fi

Forgive the lack of a link. This was discussed at a lunch with fellow bankers a few years back, and one of my acquaintances had a rather detailed run-down. I figure it was more publically-discussed. As I have no citation, take this with as large a grain of salt as you'd like. :-)