Gdcox, I think the issue here needs to be scrutinized and people need to be told the truth. The New York Times ran three articles on Sunday, one of which pointed the finger at lobbyists, silencing the competition by monopolist means, congressmen being recruited onto the boards, paying off charities to keep their silence etc. It seems powerful interests were being protected, and a few loners who said this was going to happen unless regulation was tightened were ignored.