You know those money shows on TV where they get these panellists from like JP Morgan or some other famous banks or investment companies, and then they say really smart things about financial stuff? 

They talk really fast too, as if the 10 minutes that they have allocated for the panel discussion has a massive opportunity cost in terms of advertising costs and whatever, so they just need to get some answers, and move on. 

The panellists are often not actually in studio either. They are from even other countries, but not like small towns usually unless if they are professors sometimes.