Rule of 3's

"Borrow money at 3 percent, lend it to home buyers at 3 points higher, and be on the golf course by 3 pm in the afternoon."

- 'Frank Capra' classic, <It's a Wonderful Life>, satirizes the stolid business culture the bankers lived by in 1920's before the Great Depression. Strikingly similar to the history, Wall Street has been known to produce countless mega-millionaires with their lavish lifestyles until the recent financial meltdown took place, caused by no other than the very sub-prime mortgage loans.