In the recent EconTalk podcast on Freddie and Fannie I heard (for the first time in my life) about "3:6:3 business model".
A Savings & Loans business before 1970s was so called 3:6:3 business: they took depositors' money and paid them 3%, they lent money on mortgages at 6%, and their executives left for the golf course by 3pm.
