Best Response

Different strokes for different folks. For prestige, they're kind of not comparable; some companies do great at IB but not at S&T and vice versa. Hours are less for S&T, but many consider it more stressful. You have your weekends for trading but while you are trading it is nonstop high pressure situations all day. As far as comp goes, at the lower levels (analyst/associate), the pay is almost exactly the same. Trading though, if you're good, can bring ridiculous bonuses and probably produces more 20-something millionaires.

Job security? Neither is great. Banks like to slash during downturns. Given the fact that trading constitutes a bigger chunk of the company's balance sheets, it will likely have more jobs but also more firings if things go sour.

Exit opps have different opportunities too. Traders can go into prop trading, hedge funds, and alternative investment management. Bankers like going the private equity route, or if you get burned out, corp development.

Environment is intense in both, but probably moreso in trading. Just a lot of intensity because of the rapid pace and high amount of zeros in many trades. Banking though has its own pressures, like having to stay up until 7 am to finish a pitchbook, go home, change shirts/shower, and go back to the office to prepare last minute changes for the morning pitch or meeting. Depends on the type of person you are. If you are high energy but need time to cool off and relax, trading might be better. If you are more of the endurance/distance runner, you can weather the daily drain of banking.

BTW, nobody can tell you which is better. They both have their pros/cons. You have to match that to your interests. Read the Vault guides and use the Search tool on the board to read more. Eventually you're gonna have to decide for yourself. Best way to do that is to get experience through internships and shadows. If a trading floor and 6-computer screen trading desk scare the shit out of you, S&T is probably a bad idea.

 

If you're going to stay in it and think you'll be good at it, go S&T. High up, pay is much better. IB on the other hand probably gives you enough exposure in coverage groups to move back into the industry. If you do badly in S&T, you're screwed.

 
charlemenge:
If you're going to stay in it and think you'll be good at it, go S&T. High up, pay is much better. IB on the other hand probably gives you enough exposure in coverage groups to move back into the industry. If you do badly in S&T, you're screwed.

That is less true for sales than it is trading. Depending on what kind of sales you do, if you're more on the hedging/risk management side for corporates, you can definitely move into industry. Former colleagues of mine have done it.

 

With IBD you become industrious but with S&T you learn the product and the technicals which go with it. If you like the buzz of the trading floor and want to understand how markets work (market making, etc.) then trading is for you. 10 years down the line, a IBD person would be more tempted of starting his own business or investing in a business (VC/entrep'ship) whereas the trader would be inclined to run his own portfolio and trade stocks online. I feel that traders are somehow limited when they quit as their set of skills and knowledg base are restricted to only what they know and worked with. Whereas a IBD person can apply his core skills (valuation, industry knowledge, etc.) to many situations (and probably can run his own portfolio as well).

 

IBD analysts do not make more than S&T analysts, they are paid about the same. Ive never been in IBD but i can tell you quality of life in S&T is generally much better. You actually have time outside of work to do things.

 

I don't think sales ability can be put down to any one thing, I know people who would seem to be very good at sales but when it came down to it they failed for any number of reasons. Alternatively there are people who you would not think would be good at sales yet do very well. Basically I think it comes down to the individual, you won't know until you do it. I also think that some time spent in sales of any area (not only banking) develops or enhances the skills needed to succeed in business, even if you end up being mediocre you will get a lot out it.

 
CBlue:
I don't think sales ability can be put down to any one thing, I know people who would seem to be very good at sales but when it came down to it they failed for any number of reasons. Alternatively there are people who you would not think would be good at sales yet do very well. Basically I think it comes down to the individual, you won't know until you do it. I also think that some time spent in sales of any area (not only banking) develops or enhances the skills needed to succeed in business, even if you end up being mediocre you will get a lot out it.

Based on my experience this summer on a sales desk I totally agree. There are the sales people who hang out with their buy-side buddies every other night at the pub, have incredible social and communication skills and can basically sell anything to their clients. On the other hand you will also find very successful salesmen who use a strict analytical approach and convince their clients with their ideas instead of their personality.

Most salesmen are somewhere in between, but the point is I agree that there is not one specific skillset that makes a good salesman.

 

Yes, S&T is more "meritocratic" than IBD. Opportunities for advancement are better if you're good, but in general they're just very different. In S&T, you are gambling on 2 things: the possibility that the market will do well, and the possibility that you are actually a good inst salesperson or trader. In IBD, it's much easier to hide if you suck, and certain groups tend to be a little more stable.

by the way, your supposed situation is not very credible. you have an "opportunity to work" (offer?) at Bear or UBS next summer, but you dont even know which side of the firm you would be on? if you have a question for us, just go ahead and ask, you dont need to make up a bunch of stuff.

_______________________________________ http://www.drmarkklein.blogspot.com/
 

You wrote: "In S&T, you are gambling on 2 things: the possibility that the market will do well, and the possibility that you are actually a good inst salesperson or trader."

That's not true at all. First, no one gives a shit whether the market does well or not. You care whether or not there is volatility. Bull, bear--all irrelevant. What matters is vol because that's why corporates hedge and also what allows you to do complex trades. No one buys something hoping it will go up or sells something hoping it will go done. Very little work that is that simplistic is done on the trading floor these days.

The key to S&T is being able to understand the ever-more complex trades banks are doing now, and to be able to apply high-level finance to different situations for different clients.

And the sales people you describe as going out to dinner every night with their buyside buddies are a dying breed. That type of work only happens on flow desks, which are at the dying end of the business.

 

Danbush is a XXX, I usually don't answer annoying questions but I will for you. I have two people on the board of BS and I have one superstar MD at UBS who both told me that I can work wherever I choose, that's why I am debating this. I am bright enough and possibly delusional enough to believe that I will get a full time offer after the summer so that is why I am weighing these options very carefully.

To everyone else, thanks alot for the help and clarification.

 

"In S&T, you are gambling on 2 things: the possibility that the market will do well, and the possibility that you are actually a good inst salesperson or trader."

Trading is all about the bid/ask spreads, which exist in a bear or bull market. A day with tight spreads is a bad day for traders. However, if you end up with something like the NYSE computer correction that happened early this year during the subprime crisis (200 point movement in the Dow within a matter of seconds), there'll be some problems too.

Now, portfolio management or ibanking are way more dependent on the market than S&T.

 
cash_money:

In your opinion fellow Monkeys, which comes out on top?

1) Highest starting salary?

2) Highest long-term Salary ceiling? ie Best banker vs best trader- who could earn more?

3) Worst hours?

4) Most competitive ?

5) Best exit opps ?

6) Your own personal preference, my fellow monkeys?

This question is ridiculous, but I'll humor you.

1) They're the same at the BBs. $85k base + 10k signing.

2) Probably comparable. Analysts will make mid-100s, MDs can easily make 7 figures in both.

3) 60-70/wk average for S&T, 80+ for IBD

4) Equally competitive to break into

5) Depends on where you want to end up - most people in S&T aren't looking for exit opps. Impossible to compare

 

they are essentially the same.

400,000-500,000 first year comp same hours 9-6 (at worst) same role functions (most just call it ibdst rather than ib or st)

your welcome

 
roymondito:
Interested individual:
i have skills for both roles

I'm guessing research isn't one of those skills, because this topic has been beaten to death

hahahahaha

ha

 

Trading MD promotion (and bonus escalation) happens faster. If you are a rockstar trader...you will get promoted every year...and can be an MD within 4-5 years. Traders are paid (and fired) based on P&L. However, rockstars are very rare. IBD is more "stable"...trading like a rockstar is a high risk/ high reward career...more akin to gambling. Most star traders will go to hedge funds after making 100mm at an ibank (banks will pay you at most 8-10% of your P&L..and more like 5% on avg...with the % going down as your P&L goes up...but most hedge funds will pay that same trader 18-20% on the same P&L...so this is an easy move to make). Very low odds of this happening btw.

However, this is a rare ability...

The Sales part of S&T is more stable..more akin to IBD in that respect...takes longer to get promoted, but with less risk of getting fired if you are decent (tho, in purges, very few salespeople are "safe"). Sales is not just product knowledge...you have to be a rockstar at entertaining clients. Shy awkward people do not perform well in that role. Good sales people will make more than weak traders. The best trader will make more than everybody, but will never have stability.

you should also consider population. There are few traders...and more sales people (often 3:1 ratio....10 traders n a desk might have 30 sales people). IBD is more like sales in that regard....there are many more Investment Banking positions available every year.

 
ironnchef:

Most star traders will go to hedge funds after making 100mm at an ibank (banks will pay you at most 8-10% of your P&L..and more like 5% on avg...with the % going down as your P&L goes up...but most hedge funds will pay that same trader 18-20% on the same P&L...so this is an easy move to make).

Most HFs take 20% of profits as fee, so please explain to me how it makes sense that they would pay out 18-20% to a trader?

Also you are not getting paid 8-10% of profits at a bank, very rarely do you have a set % at a bank, and the actual % of pnl is heavily based on how much franchise pnl management think there is, but either way on average my estimate would be MUCH lower than 8-10% realized. That is closer to what you get at HF's, so 20% of profit is taken by fund, half of that goes to the PM responsible.

 

The average compensation for S&T in the top 5-10% is probably higher than IBD in the same percentiles. The average overall (full distribution) is higher in IBD vs. S&T (and by a much larger margin than most people on this forum realize). It's also ridiculous to assume you'll be top 5-10% in either one. If you want to make a comparison, take a stab at an income based DCF projection with failure rates / job stability in both fields and see what you come up with. If you want some baseline estimations, I can provide you with my estimates but I think you'll find a basic sensitivity analysis to be insightful.

 

I heard that S&T is harder to get into because there are far less S&T positions and because fewer people are the S&T "type". But i dont have any first hand knowledge.

 

sales is complete and utter bullshit.

trading is interesting, and for some of it you need to actually be rly smart, issue is your still mainly just screwing clients over and not generating value for anyone(altough when you move to a hedgefund you atleast start making money for your investors)

IBD is pretty bullshitty, you do help to create an efficient market somewhere tough. Work is intellectually insulting, ideally suited for the less intelligent amongst wso.

 

Design 1047, also known as Project 1047,8 was a series of plans for a class of Dutch battlecruisers prior to the Second World War. The ships were intended to counter a perceived threat posed by Imperial Japanese aggression to the Dutch colonies in the East Indies. Dutch intelligence believed that the Imperial Japanese Navy would deploy its capital ships (aircraft carriers and battleships) against their counterparts of the United States Navy and the British Royal Navy, leaving heavy and light cruisers, along with seaplane carriers, as the largest ships available for an advance into the East Indies. As such, the 1047s were shaped by the need to be able to fight their way through a fleet composed of these ships and smaller destroyers. It was hoped that this capability would allow the battlecruisers to act as a fleet in being.

After a recommendation from high-ranking Dutch naval officers that the Koninklijke Marine (Royal Netherlands Navy) be bolstered so any attacker would have to "use such a large part of his military potential that there would be an unacceptable weakening of his capabilities in other theaters", the Minister of Defense ordered the Navy to prepare designs for a two or three-member class of battlecruisers. As they had not previously designed a modern capital ship, and the only information available on modern designs came from public literature and editions of Jane's Fighting Ships, the Dutch turned to Germany. This initially bore no results, as the two sides were unable to come to terms. During this time, a preliminary plan was drawn up without foreign assistance; completed on 11 July 1939, it was missing many of the post-First World War advances in warship technology. In particular, the armor protection was totally outmoded.

Germany and the Netherlands were eventually able to reach an agreement where Germany would release plans and drawings based upon their ideas for a battlecruiser, in return for a guarantee that all needed equipment would be ordered from German firms. With their assistance (mainly through NV Ingenieurskantoor voor Scheepsbouw), a rough design was formulated by February 1940. A visit to Italy prompted a rethink of the internal layout, which led to a set of drawings dated 19 April 1940. This is the last known design produced prior to Germany's invasion and occupation of the Netherlands. Plans for the ships were never completed.

 

First of all you're obviously not the "PE recruiter" you made yourself out to be in previous posts, so good job blowing your cover. That said, you must be an underclassman in college so I'll try to provide some guidance.

  • There are a fewer total number of available S&T analyst jobs out there
  • S&T is very much "up or out" - if you can't perform (and many won't), you're done
  • IBD is not just the path to PE; many people don't know exactly what they want to do and IBD provides you with a very useful skill set if you're not sure
  • Adding to point above, S&T is great if you only want to do S&T for the rest of your life

The list goes on.

People tend to think life is a race with other people. They don't realize that every moment they spend sprinting towards the finish line is a moment they lose permanently, and a moment closer to their death.
 

I disagree with you ricky, I don't think its very up and out. I know many traders and salespeople who stay in BBs, who has actually heard of someone get fired from a BB? I've never heard of such a story.

 

grass is always greener...first few years as an S&T analyst you're gonna have to do shit like grab coffee and lunch for all the traders and do admin work in addition to the analytical stuff. yes you get off work earlier but you also wake up at 5am everyday, and that doesn't change as you go up. 5am to 6pm = 13 hour days

 
megafundguy:
i know a trader he doesn't go to work until 7am.
The guy your mom is fucking this week rolling out of bed and going to his E*Trade account doesn't count.
If I had asked people what they wanted, they would have said faster horses - Henry Ford
 

Just because ONE trader you know doesn't go into work until 7am doesn't mean that it's typical.

Search threads on here dude. S&T vs. IBD is one of the most frequently discussed topics and has been beaten to death and mutilated in its coffin.

People tend to think life is a race with other people. They don't realize that every moment they spend sprinting towards the finish line is a moment they lose permanently, and a moment closer to their death.
 
rickyross:
Just because ONE trader you know doesn't go into work until 7am doesn't mean that it's typical.

Search threads on here dude. S&T vs. IBD is one of the most frequently discussed topics and has been beaten to death and mutilated in its coffin.

FX guys get on the desk 5:30-6am. Everyone else gets in between 6:30-7:30am (with 6:30 being the time the analysts get in)

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."
 

Are you talking about summer of 2012 already? How did you get both offers so quick? Thought even acellerated recruiting doesn't start until Sept or Oct?

I am still in college, so take this with a grain of salt, but I'd say if you want to do banking, do banking and if you want to do something else in finance, take MS. It's not like Lazard is a bad place to start at all, and you are in the M&A group, which tends to be more coveted than say FIG (not a knock on FIG, just what I've heard from people applying) Hope that makes sense

 

First I'll say I'd love to have a problem like yours. But in the same breath ill also say, no one knows what YOU want to do. You have to figure it out for yourself, some may say IBD some may say S&T but thats what they would do in your situation. You need to figure out what YOU would do in your current situation. It isn't the end of the world if you do either but you need to think about what you want not what a group of people on a random online message board are telling you.

Good luck, and congratulations in advance.

The answer to your question is 1) network 2) get involved 3) beef up your resume 4) repeat -happypantsmcgee WSO is not your personal search function.
 

I agree with blackfinancier. If you are interested in pursuing banking the obviously you would want to take the IBD positions and if you are interested in S&T then you would go with the MS offer. I really don't see the sense of asking this question on this site since these are not even comparable internships.

So put on your big boy pants and kindly decide on your own as to what you see yourself doing in the future as a career.

 

If I accept one of these in the coming month or so, am I taking action too fast? These opportunities both came about because of personal networking - all the BBs recruit my school during the normal winter season. Would it be smart to see what else is out there, or should I be thankful I have something and choose 1 now?

 
  1. Higher variance of pay, but average banker > average trader. Upside is larger in trading but I wouldnt be surprised if EV was in bankings favor

  2. Yep

  3. Depends what you consider fun. Being stuck with a short gamma position when the market breaks is certainly not fun.

  4. Getting lunch everyday may not be ''administrative'' work but it sure is a pain the ass (altho during summer you at least get some sun)

 
derivstrading:
3. Depends what you consider fun. Being stuck with a short gamma position when the market breaks is certainly not fun.

Nor the opposite, paying a ton of decay and the damn market won't move! Aha

Jack: They’re all former investment bankers who were laid off from that economic crisis that Nancy Pelosi caused. They have zero real world skills, but God they work hard. -30 Rock
 

Stop comparing apples and oranges. Two different careers. Two different types of people.

New topic...

"Cut the burger into thirds, place it on the fries, roll one up homey..." - Epic Meal Time
 

if you want a live glimpse of a hedge fund trading desk, go to the live broadcast on www.hedgefundlive.com. see for yourself if traders are that great. these guys were at large institutions before and after making the big bucks are trying to start up a new idea/company.

HedgeFundLIVE www.hedgefundlive.com The World's First Interactive Trading Network
 
  1. False and ridiculous. M&A bankers being good traders? You cant be serious.
  2. Depends on the nature of the recession. Before you are a producer (ie you have a profitable track record trading or you bring in clients on the banking side) niether job is particularly "safe".
  3. I would say its a combination of born and made, but this is a debate that has no answer and could be debated all day. In fact, it was this very question that prompted Randolph and Mortimer Duke to hire Billy Ray Valentine and the rest is history.
 

You actually can't do much since you are not licensed.

SA will spend most of the day shadowing Traders or Sales, listen in on internal calls, watching the markets, knowing when to ask intelligent questions, knowing when to keep their mouth shut, writing internal market summaries, maybe a small project here or there, making copies, getting lunch/coffee for desk.

Although, SA are not doing much work they can learn soo much just by listening, watching and asking really good questions.

SA that get FT offers were able to demonstrate their ability to learn in a crazy environment, ask intelligent questions related to what was going on in the market, knowing the right time to open their mouths, and completing all tasks with perfection/near perfection and efficiency, and demonstrated personality 'fit'

Hours - usually about 12-13 per day Pay - 2007 was $60K pro-rate

 

S&T internships can be boring as hell since you are not licensed...The positive is that you will get to enjoy NYC a lot more...

Sitting around watching traders and salesmen do their job..asking questions at the right times...MAYBE helping them with little tasks here and there...perhaps a long-term project....getting their breakfasts and lunches (Yup)

That was basically my experience as a S&T SA at a BB firm. When I was an IBD SA at the same BB, I had a lot more responsibilities, being put on deals, modeling, and etc., but was sometimes too tired to enjoy the city.

 

S&T people have a good life. Also the pay is as good as IBD. Maybe, if you are a really good trader, you can make much more than an investment banker. I should have gone into S&T instead of investment banking, but it's a bit too late.

 

you'll do some bullshit ninny project that a senior salesman wants, you'll do a lot of bitch work. FT initally is like that, but then you'll get one breakthrough and then you'll be full fledged and will pass on the bitch work to the next pleb...and so goes the circle of life.

 

The grass is always greener.

Don't you see the chip on all the S&T staff when they don't get the same recognition outside the bank? Haven't you heard the 'percentage of firm profit' speech at a bar on Friday night a thousand times? I love that speech. The reply is even worse (we make the news, you trade on it..).

Realistically, they are two completely different jobs with different skill sets. Just because they happen to be housed in the one firm makes it seem like they are in direct competition. I would say there are many other jobs which are more similar, which would attract a similar work force, which would be more appropriate to compare to banking.

 
Don't get too excited about the hours or pay in S&T just yet. Yes, in S&T you have the potential to make far, far more than any banker ever will. But you also have a much greater chance of getting fired.

Yes, S&amp;T generally has shorter hours, but the hours on the structured products desks (which are starting to dominate the top <span class="keyword_link"><a href="/finance-dictionary/trading-overview">trading</a></span> shops) are growing longer by the year. And keep in mind that only traders have easy hours. On desks that focus on derivatives and structured products, the sales and structuring teams work longer hours than traders do, and structurers often work the same hours as banking.

Finally, I've posted this before, but the line between <span class="keyword_link"><a href="/finance-dictionary/what-is-investment-banking-division-IBD">IBD</a></span>, Lev Fin, <abbr title="private equity">PE</abbr>, and S&amp;T are bcoming more and more blurred by the day. In commodities, a large percentage of our deals are worked jointly by <abbr title="investment banking division">IBD</abbr>, <abbr title="private equity">PE</abbr>, and S&amp;T. That's the nature of the business there days for large deals. 
 

"Don't you see the chip on all the S&T staff when they don't get the same recognition outside the bank? Haven't you heard the 'percentage of firm profit' speech at a bar on Friday night a thousand times? I love that speech. The reply is even worse (we make the news, you trade on it..)."

No chip here. And the flaw in your argument is that bankers are out at a bar on friday night.

In seriousness, they're different and hopefully you know what you're getting into. I work 11 hours a day....it would take a helluva lot of pay (like maybe 10x) to get me to work 100 hours a week.

 

Ive done a ton of S&T SA interviews and they are pretty much all market based. Especially equities. Do you follow, what stocks, etc etc. I also believe that every single interviewer I had both this year nad last year asked the sales vs trading question. Ive never gotten any banking type finance questions.

 

I always got brainteasers/market questions. The brainteasers were generally probability related. I never had to pitch a stock, but had to say whether I was long or short certain sectors and why. I got technical questions on the greeks, put call parity, and option valuation techniques. For the greeks it was explaining what delta or gamma was and why its important or how its used. I would know the assumptions of black-scholes and know why they are important. Also I had to explain how to do a binomial valuation. For fixed income interviews I would go over bond math, convexity, yield curve, and bond covenants. Always know the fed rate and LIBOR.

 

I had my fair share of what I thought were pricks during interviews. Most of the traders that interviewed me asked lots of technical questions to fuck with me and make me uncomfortable. I had a lot of guys who were fans of the stress interview. I never brought up my knowledge of the greeks or anything. iambateman is entirely right about never bringing up any of your technical knowledge in an interview because they will destroy you. To be fair they like to do the whole stress thing in ib interviews as well but more so in S&T. I had a friend with a BS IBD interview and the first thing the guy said to my friend was "Oh I see you have a 3.75, why does your GPA suck? We only hire kids with 3.9s"

 

I don't know what you are talking about re: technical knowledge. If you claim to know something, then you should actually know it. If you do, then most of the questions a trader will ask are not going to be all that hard. Most traders use discretion when they interview: you're asked basic to low-complexity technical questions that are directionally more theoretical, because your experience on a trading desk is limited. Considering half the traders on the street have what amounts to an intuition about the theory and limited quantitative knowledge the questions they ask aren't going to be all that hard. ie. what is the Black Scholes equation for calls, puts is a possibility. Derive the Black-Scholes PDE, which is a relatively trivial exercise assuming Ito's Lemma and stock with dS= uSdt+sigmaSdWt, is probably out of the question because the trader would have trouble determining if your answer is correct, themselves. Similarly, if you know what the greeks are and have some intuition about them (ie. have read Hull), you should be fine.

 

If you're doing both then why does it matter which one you do first? just do whatever you like first.

right foot first or left foot first? hmmm...i dunno.

Man cannot remake himself without suffering, for he is both the marble and the sculptor. -Dr. Alexis Carrel
 
Maximus Decimus Meridius:
They are both very different. The question you need to answer is what would you rather do when you finish university, trading or ibd?

Isn't the whole point of the internships to figure out which one (s)he likes best?

Just live your life.
 
Maximus Decimus Meridius:
They are both very different. The question you need to answer is what would you rather do when you finish university, trading or ibd?

Isn't the whole point of the internships to figure out which one (s)he likes best?

Just live your life.
 

S&T in what products? If in derivatives, especially structuring OTC transactions then I would do that. If it's more plain vanilla or even straight equities then pursue IB. It's a tough time to be in IB though. If you're going to do both just make sure you don't do S&T during the slowest summer months when volatility and volume is atrocious.

Also consider your personality and where you would be more comfortable. Would you prefer more of an analyst position or a more engaging role?

You're lucky that you have a choice of either/both... it's a good problem to have. Trading has more upside on the buy-side but you'll learn the products working for a bank. You'd probably gain more skills in IB and it would be the more conservative option. You'd have broader opportunities with IB experience.

 

The way I see it...you can always get an internship in banking your junior year...the hardest internship to get on the market right now is S&T since literally every firm has a hiring freeze

I would go with S&T because this could be your only shot at trying it.

 
Jimbo:
This has been dealt with many times. Banking has generally better/broader exit ops, and not everyone is interested in s&t. Different people have different interests.

If you're a good sales person, I imagine that the client relationships should set you up for good exit ops as well.

 

Jimbo,

what are your thoughts on people trying to move from banking to trading? Have you seen it done? Im in the process of trying to do it now and would appreciate any input you have.

 
analyst26:
Jimbo,

what are your thoughts on people trying to move from banking to trading? Have you seen it done? Im in the process of trying to do it now and would appreciate any input you have.

I have seen it done a few times. usually in related fields. So energy bankers to commodity desks that sort of thing.

what are you trying to go from and to?

 

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CNBC sucks "This financial crisis is worse than a divorce. I've lost all my money, but the wife is still here." - Client after getting blown up
 

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I'm like one of them marriage counselors. Charge by the hour to tell some fool he needa bring some flowers home. Then charge another hour telling the bitch she oughta suck some cock every little once in a while. Keep a marriage strong like that. -Prop Joe
 

Sit totam alias ducimus et assumenda ex. Totam sequi deserunt harum consequatur sed recusandae illo. Laborum ratione reiciendis consectetur. Id rerum sunt fugit cumque ullam magnam. Nisi deserunt minus quaerat. Natus sit quod corporis exercitationem magni nobis et. Et quo est praesentium veritatis asperiores officia.

Quae dolorem a aut quo nemo sed vero. Eius nostrum dolor perferendis quibusdam ipsa laboriosam expedita. Voluptates est fuga eveniet quaerat voluptatem cum aut natus. Laboriosam voluptatem officiis non excepturi saepe quas.

"Well, you know, I was a human being before I became a businessman." -- George Soros
 

Saepe consequatur magni deleniti asperiores temporibus non ea. Dolorem expedita delectus et quas. Sit mollitia voluptates praesentium alias.

Alias nostrum odit suscipit dolores ratione. Eos dolor quia velit eveniet et non excepturi.

Expedita et vitae velit eum officia. Sit alias atque exercitationem explicabo libero ex. Nulla vero quae reprehenderit qui voluptatibus quia magni. Eveniet ab at sunt ut quam aut natus. Accusantium aliquid beatae culpa soluta reiciendis quod sunt. Deleniti tempora consequuntur ab et. Ut quasi illo architecto ut beatae reprehenderit.

Sequi magnam explicabo consequatur dolorum. Veniam ut vel minima earum nemo. Qui quos eos quam repellendus. Nihil ea voluptatem molestias excepturi consequuntur.

 

Velit suscipit molestiae iusto eligendi saepe ad nemo. Aliquid qui consequatur enim eaque rerum.

Accusamus maiores voluptatem et voluptate alias. Et nesciunt pariatur facere non. Quo molestiae voluptatem ratione hic similique et. Sequi aliquam consequatur incidunt. Id sed maiores asperiores.

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Consequatur nobis dolore pariatur et ut consequatur assumenda. Magni nihil accusantium et ducimus ex harum reiciendis.

"Well, you know, I was a human being before I became a businessman." -- George Soros
 

Sed error eligendi at in deleniti tempore et dolorem. Voluptatem et sapiente quo sed rerum ut ullam.

Est et accusantium sit cupiditate consequatur. Nisi unde veritatis eligendi dolor nesciunt aut velit rerum. Quia quibusdam amet cupiditate fugiat veritatis velit. Ipsa rerum impedit alias error sapiente labore. Et ducimus culpa aperiam hic dolorum blanditiis.

Architecto libero labore nam similique praesentium est. Harum quia minus voluptate veniam ipsam aut. Provident quidem dolorem ut officia quas vel ratione. Magni provident eveniet sit. Aspernatur nemo qui dolores illum accusamus. Maxime consequatur placeat nesciunt minima. At eligendi nihil eius aliquam rerum dolorem et.

 

Eum nihil id et doloremque aut architecto odit. Dolorem placeat fuga quas impedit esse qui ab quis. Ratione sapiente sit quod voluptatibus sed quia. Asperiores culpa numquam sed repellendus et ratione iusto. Voluptatem dolorem ut dolorum quo recusandae tenetur velit expedita.

Eveniet rerum itaque voluptas quasi deserunt consequatur voluptas. Delectus dicta nulla ipsam reiciendis est. Aut sunt nesciunt explicabo iusto ut quia omnis. Facere temporibus aut saepe asperiores.

If your dreams don't scare you, then they are not big enough. "There are two types of people in this world: People who say they pee in the shower, and dirty fucking liars."-Louis C.K.
 

Hic architecto inventore sint magni explicabo vero. Temporibus rerum ea soluta amet quia quibusdam. Voluptatibus qui nihil sunt consectetur. Incidunt fugit et debitis aut.

Rerum est et eius sint aut ipsa. Dolor in perferendis dolor consequatur eos doloremque. Voluptas quaerat iure odit sunt consectetur. Consequatur aut voluptatem nesciunt quaerat veritatis.

"Well, you know, I was a human being before I became a businessman." -- George Soros

Career Advancement Opportunities

March 2024 Investment Banking

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Overall Employee Satisfaction

March 2024 Investment Banking

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notes
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