Jules...unfortunately, the one market that needs intense scrutiny, banking, was the market most opened up under Clinton. People argue for market regulation as if it is one monolithic market. The 'market' is made up of 100s of markets. Some need regulation, some don't. In one California city they are encouraging development downtown, then throw on 100s of rules on what can be built here, and what must be built there, etc. Some retail blocks will allow shoe repairs, and others won't. That is an actual example! They don't seem to realize with each rule they put on there is a greater and greater chance of someone not going ahead and building something. This city requires 2.5 parking stalls per condo. There are lots of good sites that could be redeveloped easily, but because of their shape one can't fit 2.5 parking spots per on them for the amount of condos they are zoned for. Guess what? They won't get redeveloped. And, why not let the market decide on how many parking spots are needed. If I put too few parking spots on the site, they won't sell. A parking spot can cost $30,000+, so going in the cost of a condo is $75,000 just to cover the parking, add in land and construction. Any starter stuff? Nope. Any small stuff being built? Nope. Any rentals? Not a chance! About $400 per month of your rent goes to paying off the portion of the mortgage pertaining to the parking structure, plus add in another $60 per month to cover property taxes on the value of the parking structure. If you want to build a small suite, say a 700 sf small two bedroom, something that works for a single Mom, you haven't got a hope. Close to $500 pm of rent goes to parking. This is one example of a market crying out for something that regulation foils. There is too much regulation. But don't deregulate banks!!