By now, every bank lobbyist in town must be longing for a good, clean piece of legislation that one can either love or hate with all his or her heart. At least then they'd know what side they were on.

Banking legislation, unfortunately, is more complicated. Almost everyone knows what they think of Glass-Steagall reform or regulatory relief. The problem is that neither issue comes packaged that cleanly. Each is wrapped up with a dozen other items that make choices devilishly complicated.

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