Here are two guys who had more than a casual role in the collapse of the mortgage and financial markets who now are back with a cure! Listen to this strong endorsement by Chris Dodd of his own work... "No one will know until this is actually in place how it works. But we believe we've done something that has been needed for a long time. It took a crisis to bring us to the point where we could actually get this job done." You gotta love it. They were architects of the very crisis that is paving the way for this monstrous addition to the bureaucracy. We are a nation of idiots.