This morning I read what Paul Krugman wrote in The New York Times about the new financial regulations being proposed by the Obama administration. The thing that caught my eye was the fact that there is nothing, according to Krugman, about the credit rating agencies. If the Obama administration and Congress do not deal with the conflict of interest that the credit rating agencies have with the underwriters, that pay for the credit ratings, then we can all look forward to another meltdown in the near future. Greed on Wall Street is buried in the DNA of the investment business. Not willing to meet this challenge head-on will only encourage those greedy bastards to go right back to the well.