silience. It took a generation for ecological models to adapt. The same is likely to be true of banking and finance. 1. Hutchinson. G. E Homage to Santa Rosalie. Or why are there so many kinds of animals?Am. Nat. 93,145-159 (1959). 2. Elton, C. S. Me Ecabgy of Invasions by Animals and Plants (Methuen, 1958)