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&quot;Massive Ponzi scheme&quot; or &quot;Unfortunate set of events&quot;?  No points for guessing which of these characterizations Bernie Madoff&#39;s defense counsel, Dickstein&#39;s Dan Horwitz, deployed in his remarks to reporters yesterday.&lt;p&gt;&lt;p&gt;&quot;The obvious question,&quot; according to S &amp; C &#39;s Robert Giuffra, will be &quot;Who knew about this, and if there was a Ponzi scheme, how was it kept concealed for so long?&quot;&lt;/p&gt;&lt;p align=&quot;right&quot;&gt;-posted by brian&lt;/p&gt;

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