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Jeffrey M. Lipshaw: Associate Professor, Suffolk University Law School. A.B., University of Michigan; J.D., Stanford University.

This essay was the basis of my presentation at a symposium entitled "The Fallout from the Bailout," held at the University of Dayton Law School on March 20, 2009. As to the title, consider it a tribute to Walt Kelly and Pogo ("We have met the enemy and he is us"), crossed with a reference to William Henry Harrison's original message in the War of 1812 ("We have met the enemy and they are ours"). The question is: By what grace of God were many of us fortunate enough not to have relied on a Madoff or Stanford or somebody like them?

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