First half of your show was very good. Dr.Amatti got the history of banks right. They are no longer banks that help innovation, business, education, young people, creative people (who want to do things that are daring or different)....Banks have become mortgage companies, insurance firms and finacial market players. I am not sure we can go back to the old banks (that were not always good to women, the poor, immigrants and those who were outside the good ole boys' cultures). But we need new banking theories, models and insitutions for this 21st century...and a variety of banks of that are clear about what they do without deception, regulation or unfair demands on people.