In an essay published recently in The Wall Street Journal Continental Bank Corp. chairman Thomas C. Theobald wrote that better banks would result if regulators put less emphasis on capital ratios and more on whether managers are shareholders of their own banks. American Banker's Atlanta bureau chief, Kenneth Cline, asked:

Q Should bank managers be asked to own shares of their banks? What would be the long-term effect on the health of the industry if they did?

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