A year ago, Lehman Bros. declared bankruptcy, Merrill Lynch was acquired by Bank of America, Washington Mutual became the single largest bank failure in history. But then a funny thing happened on the way to reform: The economy improved. Unemployment went down, confidence went up, banks started to repay bailout funds and then the public’s attention turned to healthcare. Suddenly, all the time and attention being given to banking it shifted. It was as though, as an industry, we’d perhaps driven out of whatever conditions were causing our “Check Engine” light to come on.”]