监管者决不能屈从于银行游说，也不能被某些研究迷惑。 这些研究既没有衡量银行的太大而不能倒的地位给它们带来的短期提振作用，也没有衡量安全感的增加中有多少可以归因于已落实的监管措施和对增加良好监管的预期。
Regulators must not be deterred by bank lobbying or studies that measure neither the short-term boost afforded by a bank’s too-big-to-fail status nor how much of the perception of increased safety can be attributed to the regulations in place and the expectation of additional good regulation.