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What we need from the SEC...

If the SEC (or Fed) does nothing else, I want them to come up with a Financial Product risk evaluation system for consumers and non-professional investors. Red, Yellow, Green would be effective enough. And, couple it with an online educaton tool explaining Risk and the individual various financial Products.

Think warning labels on Products.

http://online.wsj.com/article/SB125184405829077561.html