David Cho:

A year after the near-collapse of the financial system last September, the federal response has redefined how Americans get mortgages, student loans and other kinds of credit and has made a national spectacle of executive pay. But no consequence of the crisis alarms top regulators more than having banks that were already too big to fail grow even larger and more interconnected.

Sheila Bair, today:

"It is at the top of the list of things that need to be fixed."

Sheila Bair, last December:

We need to return to the culture of thrift that my mother and her generation learned the hard way through years of hardship and deprivation.

Ginia Bellafante:

There used to be a time if you didn't have money to buy something, you just didn't buy it.

Vanessa Grigoriadis:

The meritocracy wasn't supposed to work this way.

A final thought from the bankers:

Revolutionize your heart out. We'll still have this country by the balls.