He quotes by name a Saudi lawyer who specializes in financial transactions:

"Islamism is a business," he explains to me with a big smile. "I don't say that because it's my job, or because I see proof of it in my office ten times a day, but because it's a fact. People hide behind Islamism. They use it like a screen saying 'Allah Akbar! Allah Akbar!' But we know that here. We see the deals and the movements behind the curtain. In one way or another, it all passes through our hands. We do the paperwork. We write the contracts. And I can tell you that most of them couldn't care less about Allah. They enter Islamism because it's nothing other than a source of power and wealth, especially in Pakistan. … Take the young ones in the madrassas. They see the high rollers in their SUVs having five wives and sending their children to good schools, much better than the madrassas. They have your Pearl's killer, Omar Sheikh, right in front of their eyes. When he gets out of the Indian prisons and returns to Lahore, what do the neighbors see? He's very well-dressed. He has a Land Cruiser. He gets married and the city's big-shots come to his wedding."

Everything we know about al-Qaida's operations, as of those of Saddam Hussein, suggests that they combine the culture of a crime family or cartel with the worst habits of a bent multinational corporation.