You can make great money in a utility type of business by borrowing cheaply and lending sensibly but that's not what's being done.

Meredith Ann Whitney (born November 20 1969) is a banking analyst and frequent contributor to CNBC Fox Business and Bloomberg News programs. She graduated with honors from Brown University. She was a member of the first co-ed graduating class of The Lawrenceville School.

Based in New York City Whitney manages her own advisory firm Meredith Whitney Advisory Group LLC where Meredith Whitney produces company-specific equity research on financial institutions and analyzes the sector's operating environment. Meredith Ann Whitney (born November 20 1969) is a banking analyst and frequent contributor to CNBC Fox Business and Bloomberg News programs.