Dodd-Frank and independent actions of banks go a long way in terms of progress on capital, liquidity, transparency, "living wills" (plans for winding down a bank in the event of a collapse) and resolutions.
I hated him for as long as I could. But then I realized that loving him. . . that was a part of me, and one of the best parts. It didn't matter that he couldn't love me, that had nothing to do with it. But if I couldn't forgive him, then I could not love him, and that part of me was gone. And I found eventually that I wanted it back. " ({Lord John, Drums of Autumn}