[Editor’s Note: This is the third installment of a three-part examination of deregulation, and how it helped spawn the U.S. credit crisis. In this capstone installment, Gilani outlines a plan for rebuilding the nation’s regulatory safety net.]

Dear Mr. President-Elect:

The people of the United States have spoken. Their collective voice resonates loudly and overwhelmingly in praise of your vision and promises for America the beautiful.

Over the many voices, the chorus of a common refrain resounds: There is nothing we as a people cannot do if inspired by confidence in our president, honest and transparent democratic government, and equal opportunity in pursuit of our happiness.