Since our banks are as sick as our hospitals, I'm betting, given the uniform corruption (not to mention the collective IQ) of Congress, any regulation put to a vote will resemble the eviscerated pap presented as healthcare reform. After all, lobbyists write the legislation while the "members" dangle about DC's watering holes, admiring each other's finely tailored suits and lovely coiffures. By the time they've sobered up after lunch their AAs (administrative assistants) will have cut and pasted the lobbyists drafts into something even a senator could understand.