Good Job John, easily readable non-specific explanations of Dodd-Frank written for the layman are still in incredibly short supply. I think all patriotic Americans should always refer to it as FrankenDodd, since it is a stitched together monster that hates mankind and will kill us if we let it. Maybe Obamacare should be called FrankenPelosiReid. FrankenReid? Pelostein?