As soon as the financial crisis erupted, the finger-pointing began. Should the blame fall on greedy traders, lazy regulators, or clueless home buyers?

According to Bethany McLean, author of the bestselling Enron book The Smartest Guys in the Room, and Joe Nocera, the star New York Times columnist, the real answer is all of the above. Many devils helped bring hell to the economy.

Yet despite all the analysis of the crash, no one has put all the pieces together and named those responsible. Until now.