Some bankers are in a hurry to return government bailout money, saying the restrictions make it more trouble than it's worth. Zions Bancorp's chief financial officer, Doyle Arnold, isn't one of them.In fact, Arnold said the Salt Lake company, which received $1.4 billion through the Troubled Asset Relief Program in the fall, may apply for more funds.

Asked this week if he was concerned about mounting restrictions for companies that take additional government funds, Arnold joked, "What more could they do to me? … They've already cut my pay, taken away my stock options and told me how to rewrite my mortgages."

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