Fred Hochberg, Chairman and President of the Export-Import bank of the US, makes the case that the US is leading the way in a globalized economy. By focusing 90% of the bank’s attention on small businesses, Hochberg argues that his bank is creating greater opportunity while reducing risk. In contrast, Rana Foroohar, Assistant Managing Editor at TIME, sees a murkier future.  According to Foroohar what few of us realize is how the misguided financial practices and philosophies that nearly toppled the global financial system in 2008 have come to infiltrate all American businesses, putting us on a collision course for another cataclysmic meltdown.