You misspelled one of the names.
It is Jerkoff not Certoff.
Ameriquest/Argent/ACCH/whatever Citigroup is calling their acquisition today... was infested with H1Bs - some of whose prior place of employment was ENRON.
The better to enable the falsification of FICO scores, and other monkey business, of course...
Having one's feet held, via H1B Limbo, over the fires of the lower echelons of the caste system appeared to be quite motivational.