This image was lost some time after publication.

Need further evidence that America's banking system could use a little fixing? Four NYU college buddies figured out that if you claim your ATM card has been stolen, you're not responsible for the charges, and the bank has 10 days to reimburse you for the loss. So the four opened account after account and pretended their cards had been stolen, over and over again, racking up about half a million bucks in phony refunds over the course of, oh, five years or so, before the banks finally figured out that there might just be a pattern here. Not that lawyer (and chick magnet) Eric Manganelli wasn't already a bit suspicious, of course. It's never a good sign when you count Al D'Amato and Bernie Kerik as friends on Facebook. [NYDN]