Reform This!

There is quite a bit of discussion related to financial institution and market reform. It begs the question, is there a pill that will cure avarice? or another to increase the intellect of the people at the credit rating agencies? Here is a suggestion that I'm sure will be embraced by the people making the decisions ... let's have congress actually pass new regulations that are in the best interests of we, the people, not the people in the financial institutions that got us into this mess in the first place.