It was not any one person's fault moocow fell it was a combination of less active players causing active players to become bored, and with the active players still needing DL, became fustrating and boring, which led to an attempt to ally retribution which never prevailed. It was brought to a vote on what to do and the majority decided it was best to merge with either Genesis, Jah, or Ret, however, due to slow response time and flexibility of other clans, and due to our history with Genesis, merging with Genesis was the ultimate solution. Only a small minority resisted the merge and eventually (more recently) branched off to other clans and became less active. Remember, 75% of active players in moocow was and have worked with Genesis in the past. Its not like we came from Ret, went to Gen.
Just hope i cleared up some BS people were spilling regarding the fall of Moocow. Majority always wins, and if you ask a majority of past Moocow members, they would agree to the above.
As for the bank, it has been divided between past Moocow members and leaders who helped build the bank.