A dozen megabanks today control almost 70% of the assets in the U.S. banking industry. Government policy has made these institutions exempt from the normal processes of bankruptcy and creative destruction. The 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act promised to end too big to fail. However, market discipline is still lacking for the largest institutions. Do you feel these new rules and regulations set forth by our government will help or hinder the banking system? Do you think shrinking these big banks is the answer to a stable financial system? Why or why not? What do you believe will be the overall effect on consumers?