I disagree with your second point. I think that making banks which do more than lending money to businesses/individuals into partnerships will do a lot of good. They won't stiff the US tax-payer with the bill by saying that they are too big to fail and that they risked US tax-payer deposits, as is the case of BofA. If a partnership wants to take big risks that's their decision. I'm suggesting to remove the moral hazard, by using the threat of financial system collapse as a stick to get the US gov't to foot the risk bill. 3. I do not say kill derivatives, you read that wrong. I'm more concerned with HFT. That is trades that are decided on by computers and executed in the single digit milliseconds, contribute to the hollowing out of buildings downtown for data-centers, etc. 4. removing the corporate tax is probably too much of a shock to the system, I think aligning it with the personal tax, eliminating loopholes in both, and lowering both is a much better idea. 5. I think that about 20 years is a long enough time to build relationships and get things that you want done. I think that there is cultural and idea turnover each generation that needs to be reflected in the bodies that represent it. Cleaning out the old gives way to the new and the like. I also think that since we limit terms for Presidents that we should do the same in other places. I think that long-standing senators can be every bit as much a tyrant as a permanent president, albeit on a lesser scale.