(RECAP: There was a time when banking was all about taking deposits, lending money and helping companies raise capital. That’s changed — something that became abundantly clear during the mortgage crisis and the Great Recession. Now, by using loopholes in regulations — some of them seemingly tailor-made for the giants of the financial industry — mega-banks have entered new worlds of operation and speculation. They can own entire chains of production and delivery of commodity goods that can affect world markets. Here are two examples and some of the risks.)