A major concern for executives at financial services firms is how to fix the credit markets to make sure that the crisis we are experiencing does not happen again. A credit collapse strains all of society including the most effective and productive Asset management companies as well as workers, and employers. Whether a person believes that government regulation is good or bad the point is that the laissez faire approach to regulating certain financial instruments exposes the entire economy to risks much larger than what we have seen in the banking and mortgage industry. It might serve both government, industry, and the Asset management companies to create a process that in the end will protect all of their interests for the future.