Legislation and regulation produced in the wake of the crisis have mostly served as a patch to preserve the status quo. Politicians and regulators have neither the political courage nor the intellectual conviction needed to return to a much clearer and more straightforward system.
但是，另一方面，并没有发生多少根本性改变。危机产生的立法和监管大体上都是为了维持现状。政客和监管者既没有政治勇气，也没有明智观点，而这些都是重返更清晰、更简单系统的必要条件。