It's hard to decide how to match words to music. It's not like it's twice the work. It's always difficult for me to explain to the composer what I'm looking for. I'm not a professional; I lack even basic knowledge about writing music.
Investment banking has, in recent years, resembled a casino, and the massive scale of gambling losses has dragged down traditional business and retail lending activities as banks try to rebuild their balance sheets. This was one aspect of modern financial liberalisation that had dire consequences.
I think you have to create your own stuff so I'm working on stuff for myself right now.