Well regulartory diffrences aside... Just because you can get away with a crappy outcome does not mean that you have to... Except at MAR obviously.... In a bank you produce tons of numbers not all crucial to any regulartory or other external stakeholder in my experience a ton of $$$ are still put in to make these numbers accurate... I am sure outside the financial industry there are other companies with the same philosophy... If you strive for mediocrity you will end up with a mediocre company... That's my impression of MAR...