2. Full-service financial firms provide a wide variety comprehensive financial services, including retail and commercial banking, insurance, and investment banking, etc. In the past 90 years, the regulatory barrier to the creation of full-service financial firms in the U.S. has changed dramatically. What are the major laws in U.S. that govern (allow or disallow) the establishment of full-service financial firms? What were the historical motivations and influences of those laws? (8 points)