NOTES

PREFACE

1. David Ciccone, Senior Vice President, Wealth Management, CTH Group, UBS Financial Services, in a client consultation July 14, 2011.

2. Jaron Lanier, Who Owns the Future? (New York: Simon & Schuster, 2013).

FOREWORD

1. Financial Services Authority, List of Banks as Compiled by the FSA on 28 February 2013, http://www.fsa.gov.uk/static/pubs/list_banks/feb13.pdf; See also Federal Deposit Insurance Corporation, Statistics at a Glance as of June 30, 2013. http://www.fdic.gov/bank/statistical/stats/2013jun/industry.html (listing 6,940 FDIC-insured depository institutions, including 5,980 commercial banks and 960 thrifts).

2. The Shrinking U.S. Banking Sector: On Balance, Who Benefits?, Knowledge@Wharton, April 27, 2011) (quoting Kenneth ...

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