What will it take to rev up the economy, revive the dormant M&A market and avoid another market meltdown? How will banks win back customers' trust? And is the mobile phone finally ready to make the leap from communication device to digital wallet? Here are 10 things everyone will be talking about in the new year.

What do a super-simple mortgage disclosure form, from Bank of America, and a no-frills annuity product, from MetLife, have in common? They're both early examples of what experts expect to be a trend toward easy-to-understand, consumer-friendly financial products.

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