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"In today's regulatory environment, it's virtually impossible to violate rules."

~ Bernard Madoff, now infamous for allegedly running the biggest Ponzi scheme in U.S. history, in which the scammer pays current investors out of money coming in from new investors.

"It's when the tide goes out that you find out who has been swimming naked."

Warren Buffett, multibillionaire.

The alleged Ponzi scheme of Mr. Madoff is just one of many such schemes coming to light with the bear market. Be on guard against these other broker tricks.

Next: Oh, the sacrifice.