PREDATORY LENDING: Jan. 31, 2004: Wall Street ratings agenices reps Joe O’Keefe of Fitch Ratings (speaking), and Stephen Murphy of Standard and Poor’s (to his left), foistied $1.5 BILLION loan on city of Detroit. Also shown in photo (l) then Detroit CFO Sean Werdlow, who left the Kilpatrick administation later that year to take a job with UBS ‘minority partner Siebert, Brandford & Shank as managing director, and (r) then Deputy Mayor Anthony Adams. Photo by Diane Bukowski