I&#x27;d love to hear the opinion and recommendations of the guy who read 22 primary&#x2F;secondary texts on the subject and have him help shape policy now. You&#x27;re not going to get better data than the expert views and analyses presented in these texts, barring the constant surveillance, recording, and analysis of every transaction ever made within and without the US economy, every email sent within and between banks&#x2F;regulators&#x2F;credit rating agencies&#x2F;mortgage brokers&#x2F;loan originators, etc.  - data that is impractical and currently illegal to collect.<p>We&#x27;d all love to have more&#x2F;better data, but that doesn&#x27;t mean we shouldn&#x27;t draw conclusions or act on the data that is available to us now.