I have been arguing since 1999 when B Clinton allowed the Glass-Steagall Act to expire that it is mandatory to reinstate this law immediately. This law separated banks from brokerage houses, insurance companies and real estate agencies. Each could not own the other. Abuses take place, such as we saw in 2008, when this bill is not law. Another area we need to audit I say are hedge funds. I believe these funds are used to launder money illegally.