When the equity market across the globe was in bull phase in the last year, we saw a lot of market experts appearing in the News Channels and print media giving tips for becoming rich overnight. This phenomenon was not only observed in India, but it was seen elsewhere. Wealth Management, Private Banking, Cross selling by the Banks for investment in Mutual Funds were the buzz word. The glamour and hype of the market was such that any TOM, DICK and HARRY from a third class B-School was selected for Investment Banking by the private investment consultants, brokerages and even so called very smart Banks for the wealth management and private Banking. Where have gone all the experts? Where are technical experts and Stock Analyst? Who is responsible for erosion of wealth for the investors? Who will take responsibility for failure of Banks particularly in USA and Europe? Why 150 year old institutions are failing? Why there is loss of confidence in the financial system? I know, nobody will co...