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Let us all be happy, and live within our means, even if we
have to borrow the money to do it with.
Artemus Ward, Science and Natural History
Money: An article which may be used as a universal passport
to everywhere except heaven, and as a universal provider of
everything except happiness.
The Wall Street Journal
By now, we have a pretty good idea of how important banks
are to society and why. Just as banks are good at facilitating
the everyday business of honest folks, so are they important
to criminals and money launderers, and for the same rea-
sons. As nancial investigators, an understanding of how
banks operate will give