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You and your investment banker colleagues made piles of money creating indecipherable financial instruments, got your friends at the ratings agencies to give them their stamp of approval, and just like that, all the risk magically disappeared and, not incidentally, your firm reaped huge fees selling the stuff to every financial institution in town. Now, sadly, the scheme has all come hideously undone. You no longer work on the Street; instead, you're out on the street. And, worse, your car lease is up. What to do? Of course, you're not destitute - you couldn't possibly have spent all the money you've raked in over the past few years - but you need to curb expenses. And yet, you want to keep up appearances. Allow us to help . . .