please provide a detailed answer

3. Gary Stern worries that Too Big to Fail (TBTF) has not been eliminated, despite the efforts of Congress (via the Dodd-Frank Act) and regulators to bury it. In your opinion, has TBTF been ended, or will regulators need to bail out one or several large financial institutions in a future crisis? In your opinion, can an effective TBTF policy be put in place without stifling economic growth