My name is David James Zoppi. In this book, I will talk about my life as a musician and my own personal journey. This book is a book that music veterans can relate to and those just staring out in the music industry can learn from. Staring from the early years of being born into a musical family, I will recount the experiences I had which lead me to deciding to learn to play the organ and piano as well as High School and professional experiences I have had working with bands. The dynamics of working with others and egos will be discussed as well as how these dynamics and egos ultimately lead to the dismantling of bands, and also the tragedies which side tracked and derailed bands that I performed with. I will also focus on the emergence of DJ's to the industry and how this affected bands and band profitability and the many roads I explored which ultimately lead me to the path which I am on now on my life and musical career.
The Savings and Loan Crisis: Lessons from a Regulatory Failure sets the record straight about what actually happened to our banking institutions in the 1980s. As is documented by the highly respected and diverse group of former regulators, scholars and practitioners contributing to this book, the collapse of this industry was caused by a confluence of adverse economic conditions and misguided regulatory decisions. Poorly designed deposit insurance, faulty supervision, and restrictions on investments prevented savings and loans from adapting to a changing financial marketplace. Unable to use financial innovations, savings and loans could not hedge interest rate and credit risks. These factors blocked portfolio diversification and lay at the root of the crisis. The savings and loan crisis was an accident, but it was an avoidable one. Most of the factors responsible for causing and exacerbating the industry's problems were preventable, as is made clear in this volume. This book also provides an insider's view of the transformation of the financial services industry in the United States since the 1980s: how the managers and owners make decisions about product offerings and investments; how the regulators monitor performance and enforce the rules; and how Congress and the Administration influence and are influenced by the financial services industry. Lastly, it focuses attention on the lessons that should have been learned from this difficult period in the history of U.S. banking, and that should help prevent future banking crises everywhere.
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