Safe food, safe drugs, safe cars, safe airplanes -- honest deals and bank loans. The federal government doesn't rely on people doing the right thing to make sure your world is safe; they regulate that world. Congress is trying to pass new financial regulations, and Wall Street is pushing back. Now, with Toyota in the news, and regulators checking out what the company knew when about a faulty gas pedal, the whole question of regulatory effectiveness is in the spotlight again. Are regulatory agencies doing their job? Have industries gained more influence with regulators in recent years? Is the problem not enough regulation or too much?