One of the more difficult issues on the agenda for Congress as it struggles with how to prevent another financial meltdown is how to address the "too big to fail" entities.

A two-pronged approach needs to be taken in order to have a future without "too big to fail" financial institutions: one, prevent institutions from reaching the "too big to fail" size and influence in the future, and two, achieve an orderly reduction in size and influence in the current "too big to fail" institutions.

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