I liked one of my friend Santhi’s status where he say’s
A drunk naked woman boards a cab in US. Driver of the cab, a Gujju, keeps staring at her and does not start the cab.
Woman: Haven't you seen a naked woman before?
Gujju: cool down. I am not staring at you. I am just wondering where you have kept the money to pay me?
Learning: This is what most of the American banks failed to do. Assessing the repayment capacity before enjoying exposure. :D