If you want to change the way your banking system is regulated if you want to learn the mistakes of what's gone wrong then you have to change your government.
In politics there are some candidates who use change to promote their careers and then there are those like John McCain who use their careers to promote change.
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Even before he came to power in 1997 Gordon Brown promised to change the accounts to parliament from simple litanies of cash in and cash out to a more commercial system that took notice of the public property the departments were using. This system is known as resource accounting.