Re: individuals/responosibilities -- I'm pretty sure KK was referencing the (imho brain-dead) recent Supreme Court decision allowing them to fund campaigns.

Re: Too Big To Fail -- Anyone considered using the Justice Department/Anti-Trust statutes against this problem? I mean I'm a "Who is John Galt" dude, but I believe TBTF is a big issue, wonder how else to tackle?
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The charm of fishing is that it is the pursuit of what is elusive but attainable, a perpetual series of occasions for hope. -John Buchan