All the current govt seems to know how to do: Over Spend, Over Tax, Over Regulate. The liberal representatives that seem to be so worried about protecting the "little guy" from the "big bad evil bankers" don't seem to care that the biggest and baddest bank runs with little or no supervision. That would be the FED. No bank, public or private (credit union, savings-loan, whatever) has more effect on everyday life than the FED. But congress is more interested in punishing those profit motivated bankers that provide all of us a service than auditing the biggest offender on the planet. They won't even audit the FED when the constitution gives them the resposibility for the coining of money.