A naked and drunken woman boards a cab in London. Driver of the cab, keeps staring at her and does not start the cab.
Woman: "Haven't you seen a naked woman before?"
Cab Driver: "Cool down. I am not staring at you. I am just wondering where you have kept the money to pay me?"
Moral: This is what most of the American banks failed to do - Assess the repayment capacity before enjoying exposure.