Misleading advertisement

Sir, on FT’s front cover you announce Clive Crook’s “The next financial crisis starts here” August 23 with the phrase “Punishing the real culprits”, It turns out to be misleading because even though Crook mentions “stamped AAA by the credit-rating agencies” which of course was what catapulted some local bad lending policies into a global financial problem, nowhere does he mention those who empowered the credit-rating agencies to has such an influence, namely the bank regulators.