So the Obama administration and Congress were smart to avoid the magic bullet trap: the wishful idea that one sweeping solution, like breaking up the banks, could prevent the next crisis. Their goal instead has been to improve financial regulation in dozens of ways, making it harder for tomorrow's regulators to do as poor a job as yesterday's.
But as the House and Senate begin merging their separate bills into a single bill, they still have a chance to make some important improvements. Here are four issues to watch in coming weeks:
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