Shouldn ' t Luneth ' s BSB also be in the enspells ? <| sep |> Pick Guardian of Tirisfal the majority of the time , quicker poly bomb for melee teams that group up a lot , invisibility and arcane brilliance if you are in a coordinated team . <| sep |> Ford knew what Hale was doing before she even showed up . He knows what the board wants , he made it clear that stopping their power plays is practically routine for him . I don ' t think keeping her cards closer would have done anything . <| sep |> if you are desperate for better equipements at lower level it can be a good idea . however when you reach higher levels 5 gear is easily obtainable hence I would recommend keeping the gems for unit summon instead . <| sep |> It ' s crazy to me that articles like this are written . It ' s such a clear attempt to me , a bank analyst to give someone something who wants to justify the deregulation narrative . The deregulations were a partial cause of the SL crisis which people now don ' t really remember . When you allowed banks to take more risk , while simultaneously GUARANTEEING DEPOSITS through the FDIC , they ' re going to take silly risks . All upside no downside . It ' s just a case of one dumb government intervention creating the need for more intervention . Of course every single financial problem can be blamed on lack of regulation , if one doesn ' t consider any of the consequences of it . The mentality consists of , well they wouldn ' t have done X if we had made X illegal . In fact , everything bad can be thought of this way . Well terrorists wouldn ' t have blown up the World Trade Center if we hadn ' t allowed commercial airlines to exist . The article then goes on to say nothing about financial crisis related deregulation , let alone how such deregulation contributed to the crisis . The author then says NOTHING about regulations that were added ! ! Did sarbanes oxley not happen ? I just can ' t believe that professional people are so willing to be dishonest to further a political agenda . This guy should be ashamed of himself .