content: She could have been memorizing some pop singers song but instead she memorized this.  I say that's a good start. As for it being a secret...  This was from 2012 and a lot of people didn't know jack about how this stuff works back then.  It doesn't surprise me that you know this stuff because you're on Voat and people here are well informed of banking corruption.  A lot of people are still in the dark about it.