Regulation?  Really?  Kind of like the SEC has been regulating Bernie Madoff's firm and all of the banks?  I agree that there needs to be regulation, but actually regulate!  How can you not figure out that Madoff is rocking a Ponzi scheme with 10 percent annual gains year after year even with hundreds of complaints?  The other SEC (Southeastern Conference) could do a better job at regulating the securities and exchanges.  Get it together.  Read more here.