By: Mark Glennon*   The Silo Effect is a new book by the Financial Times’ U.S. Managing Editor, Gillian Tett. Read it thinking about Illinois and its municipalities and you’ll cringe, even though it’s not expressly about that. The silo effect permeates Illinois government as well as coverage of our financial crisis by ratings agencies, municipal bond analysts and the press.   “The silo effect” is Tett’s term for an old problem at which she takes a modern look: In large organizations and on complex topics, fragmentation and specialization undermine cooperation and make it nearly impossible to get an