And the risk innovation of the year (believe it or not) goes to Credit Suisse

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0eWxlLWlubGluZS1pbWFnZXMiIHNyYz0iaHR0cHM6Ly9hc3NldHMuemVyb2hlZGdlLmNvbS9zM2ZzLXB1YmxpYy9zdHlsZXMvaW5saW5lX2ltYWdlX21vYmlsZS9wdWJsaWMvaW5saW5lLWltYWdlcy8xXzU5LnBuZz9pdG9rPV8zSDJMNHAtIiBhbHQ9IiIgdHlwZW9mPSJmb2FmOkltYWdlIiAvPjwvcGljdHVyZT48L2E+PC9wPgoKPHA+PGVtPlNvdXJjZTvCoFRNRTwvZW0+PC9wPgoKPHA+PGVtPkZ1bGwgVGhlIE1hcmtldCBFYXIgZmVlZCBleGNsdXNpdmVseSBvbiBaSCBwcmVtaXVtIDxhIGhyZWY9Imh0dHBzOi8vd3d3Lnplcm9oZWRnZS5jb20vcHJlbWl1bSI+aGVyZTwvYT4uwqA8L2VtPjwvcD4K