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The Brookings Institution published a thoughtful analysis of the problem and possible solutions.
1825 K Street, NW, Suite 400, Washington, DC 20006
202-955-5665 (tel) | 202-955-5606 (fax) | www.ourfuture.org
Links:
[1] http://www.brookings.edu/papers/2008/0922_fixing_finance_baily_litan.aspx