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"I think a lot of these are dodgy, if not fraudulent," Dirskovsky says.
If not, fraudulent operators are not only poorly regulated but thriving in an environment where good care cannot compete.
In some cases, thirty per cent of the loans were found to be bad, if not fraudulent, yet the banks packaged and traded them anyway.
For example, the Mobil Oil Corporation, which is spending $13 million a year to sell itself and its point of view, is accused by the Energy Action Committee of presenting "a one‐sided and misleading, if not fraudulent," viewpoint.
Activists such as the Diggers – who were involved in the practical problems of dealing with so many runaways – noted that the lyrics were irresponsible at best if not fraudulent: "gentle people with flowers in their hair" was not the reality.
Both techs insist no deception was intended, but Judge Bartle in federal court declared that "the insertion of frames constitutes flagrant, if not fraudulent or criminal, behavior".
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But he said he expected more problems for the virtual currency exchanges that allowed investors to trade coins that should be categorized as securities, even if the securities are not fraudulent.
"This agreement makes clear that I.B.M.'s dealings here were a flop if not completely fraudulent," Mr. Ramirez de la O said.
The collapse of Enron has woken investors up to the idea that even the best-educated executives and advisers may behave in a way that is damaging to one's wealth, if not downright fraudulent.
Although they're meant for people with physical or mental health needs, a lot of these animals were certified through questionable if not outright fraudulent means.
What's more, all of the large accounting firms have signed off on inaccurate (if not downright fraudulent) financials for the big banks in the past.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com