They don't raise the cost. They raise expenditures, but the benefits of capturing banking regulations are so great that the net gain is astronomical. > In othe

They don't raise the cost. They raise expenditures, but the benefits of capturing banking regulations are so great that the net gain is astronomical. > In other words, the bad actors are still bad, but there are fewer of them left, No. They can recruit. Any personnel shortfalls are temporary.