I would love to answer one of Mr. McTeague's other questions: what we can do about it.
All that went through my mind was the Glass-Steagall Act. The Glass-Steagall Act came out in the 1930s, because the banks and the brokers used to work together and then they realized, boy, we can't work together any more because this is going to kill people. That got canned about eight years ago, and now we have the same situation, where the banks and the brokers work together and we end up with A, B, C. We end up with this piece of paper that's worth nothing. We don't learn by our mistakes.
That is the answer to your question, in my mind.