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More broadly, though, the problems at M.P.S. provide an extreme example of an old-line banking pattern that analysts say is still disturbingly commonplace in Europe.
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That violent ebb and flow of cash "did not comport with the banking patterns Madoff had demonstrated in the prior decade" and should have raised alarms at the bank, said Howard Kleinhendler of Wachtel & Masyr, the law firm representing the plaintiffs, a partnership called MLSMK Investments Company, based in Palm Beach, Fla.
Under its headline "why the public should know of Swiss bank's pattern of misconduct" the newspaper points out that not all holders of such bank accounts had broken any tax law.
Last year Lord Turner, chairman of the Financial Services Authority, called it "a convoluted attempt to portray a favourable accounting result" in his general complaint to Barclays' then chairman about the bank's "pattern of behaviour".
During the determination of the number of required banks, a pattern emerges from the connectivity graph.
As a demonstration, we write "£5" as an anticounterfeit bank note pattern.
By the same token, American banks have patterns of regional exposure as well, though they are much less pronounced.
Last November, government adviser Lawrence Tomlinson issued a damning report on the banks' "disturbing patterns of behaviour" towards SMEs.
Future work could then examine if the more recent changes in house prices and their interaction with banks' specialization patterns has affected outcomes other than the supply of credit, such as employment levels.
Interviews with a dozen homeowner applicants in four states reveal a familiar pattern: Banks deny many who, by income and credit scores, appear to qualify.
Majority of the research on Majuli have focused on bank erosion, rainfall pattern, drainage discharge of the Brahmaputra river, geomorphic changes in the river basin and the impact of the 1950 earthquake on settlements and fluvial pattern of the river (Sarma 2014).
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com