Mind the gaps by Emily Fraser

Similarly, as financial markets grow and evolve, dangerous cracks open up in regulatory oversight. These too must be closed. If these problems are not dealt with, large portions of the financial community - retail consumers being the most vulnerable - could find themselves in the proverbial emergency room. Let there be no doubt: while the economic downturn has been painful for investment bankers and hedge-fund managers, it's been even more painful for middle-class homeowners who can no longer

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