Hold on, this guy worked in the FHLB system for 14 years and then immediately turned around and bashed it after no longer being able to make a buck from it? Ha. Then he tries to leverage his knowledge of the FHLBs by trying to pretend to fix some imaginary problem and stay relevant. And teaches at BU, one of the most overpriced mediocre schools in the Northeast. Please, tell me more… Zero credibility.