adjustments on the along as our new financial system adapts to these changes and changes around the globe. no law can force anybody to be responsible. it s still incumbent on those on wall street to heed the lessons of this crisis in terms of how they conduct their businesses. the fact is, every american, from main street to wall street, has a stake in our financial system. wall street banks and. s invest the capitol that makes it possible for startups to sell new products. they provide loans to businesses, to expand and to hire. they back mortgages for families purchasing a new home. that s why we ll all stand to gain from these reforms. we all win. when investors around the world have confidence in our markets. we all win, when shareholders have more power and more information. we all win when consumers are protected against abuse. and we all win when folks are rewarded based on how