Hard to believe that it's been a decade since the financial crisis. While we've learned some lessons, it's clear we haven't learned the important ones that we need to avoid the next crash. While banks are not making reckless liar loans but the lending standards have clearly been relaxed. The secondary markets are still functioning the same way they did before the crash. And let's not forget about payday loans, the auto loan bubble, the student loan bubble and the bubble bubble. We all need to be prepared for the next shoe to drop. As we saw from the movie The Flaw no matter how smart the central banker are, they're never quite smart enough.