Only prima donnas think they are above making a mess of things.

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After going through that experience, Woolley had an epiphany: financial institutions that react to market incentives in a competitive setting often end up making a mess of things.

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They wound up making a mess of things.

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Generation X and Y may have noticed that their elders have made a mess of quite a few things, and our monetary system is no exception.

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But there are no rules for this emerging world of social media, only customs and habits, which is one of the things that makes it a fascinating mess.

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The internet is full of people who just want to mess with things, and Walmart is a prime target.

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One is ProPublica, which funds investigative journalism from an endowment given by Herbert and Marion Sandler, the founders of Golden West Financial, a big subprime lender (making it one of the few good things to come out of America's mortgage mess).

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