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<a href=" http://oudemirdum.nl/index.php/oliver-wendell-holmes-essays.pdf ">persuasive essay graphic organizer for kids</a> This is not unique to ICAP, though it's particularly acute here. The thing about Libor is that it was all about making up numbers: At the peak of the Libor scandal, banks didn't really borrow unsecured in most of the currencies and tenors in which they submitted Libors, so every number was made up. Nobody submitted a Libor that represented what it was supposed to represent -- their own cost of unsecured borrowing. The only question is one of intent: Were they trying to get Libor right, whatever that meant, or were they trying to fool people and make money on swaps? The behavior -- making up a number -- was the same either way.