Federal Reserve Chairman Ben S. Bernanke urged a sweeping overhaul of U.S. financial regulations in an effort to smooth out the boom-and-bust cycles in financial markets. 
Holy Genesis 41, Batman! Come back in another 7 years when conditions for the next boom might be brewing and we’ll talk. Bringing it up now is totally pointless, IMHO
——————–: "Bernanke Urges Rules Overhaul to Stem Risk Build-Ups", by Craig Torres and Scott Lanman, Bloomberg, March 10, 2009.