1. How do financial markets that run freely and efficiently affect the standard of living in a country?

2. Do you think investors can earn abnormal returns in financial markets that are at least semistrong-form efficient.

3. Do you think that the financial services industry will be more re-regulated or deregulated in the future?

4. How do financial institutions in the United States differ from financial institutions in other parts of the world?

5. How do you think intermediaries characteristics will change in the future?