Try to imagine this dream sequence–sort of a remake of “The Treasure of Sierra Madre.” A grim lawman walks in on a group of insurers and demands to see their books. The meanest-looking one in the gang glances up from his spreadsheets and eyes the interloper suspiciously.

“Who do you think you are?” he demands, with a bit of venom in his voice.

The lawman sternly, but politely replies that he is the federal “Too-Big-To-Fail” regulatory marshal.

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