Three essential questions for reforming finance

An extraordinary window of opportunity has opened to reform the American financial system. Calls for increased supervision of the banking system were a persistent theme in the recent elections, with some calling for "massive regulation," to use Sarah Palin's memorable phrase. What this will mean when Barack Obama, the president-elect, is inaugurated and the new session of Congress begins in early 2009, is far from clear.

The best case scenario would be for Congress to continue supporting the ini

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