The Etymology of “Credit”, the Concept of “Libor” (Interest Rates Between Financial Institutions), One Factor Which Contributed to the 2008 Global Financial Crisis, the Year the English Government Created Legislation to Regulate Libor, the Reason Financial Institutions Manipulated Libor During the Early 20th Century, the Reason Financial Institutions Were Capable of Fraudulently Claiming Credit History and Risk, the Reason Financial Institutions Can Commit Fraud With Virtual Impunity, the Value Financial Institutions Were Manipulating Interest Rates By During the Early 21st Century, the Benefit of Changing an Interest Rate by a Small Value, the Reason the U.S. Government Began Investigating the English Financial System in 2008, the Corporation Which Acquired U.S. Investment Banking Corporation Lehman Brothers in 2008 and the Reason for This, and the Reason U.S. Banker Bob Diamond Resigned as Chief Executive Officer of English Multinational Universal Bank Barclays