Wall Street is to blame for the financial crisis / Charles Hurt and David Seifman -- Wall Street is not to blame for the financial crisis / Mark Gimein -- Government mortgage practices are largely responsible for the financial crisis / Charles W. Calomiris and Peter J. Wallison -- Government mortgage practices are unfairly blamed for the financial crisis / Richard F. Syron -- Deregulation is to blame for the financial crisis / Shah Gilani -- Deregulation is not to blame for the financial crisis / James L. Gattuso -- Many share the blame for the financial crisis / Mortimer B. Zuckerman -- Wall Street needs reform / Carl C. Icahn -- Government fiscal policy needs reform before instituting Wall Street reform / Mona Charen -- Government should revamp the regulation system / Jesse Eisinger -- Government should oversee the shadow banking system / Stephen Spruiell and Kevin Williamson -- The government should regulate derivatives trading / Michael Greenberger -- Government should not over-regulate derivatives trading / David M. Mason -- Government reform will hurt small lenders / Blaine Luetkemeyer -- Big banks have too much political power / Simon Johnson and James Kwak -- The financial reform bill will make big business more responsible / Barack Obama -- The financial reform bill will lead to more bailouts / William P. Hoar -- The financial reform bill will create crony capitalism / Paul Ryan -- The financial reform bill needs to ensure that no bank is "too big to fail" / Thomas Hoenig -- Legislation already exists concerning "too big to fail" / David Zaring -- The financial reform bill should force high-risk derivatives trading out of banks / Blanche Lincoln -- The financial reform bill should not force high-risk derivatives trading out of banks / Sheila C. Bair -- The financial reform bill is so gutted that it will change nothing / John Berlau -- Even the gutted reform bill will provide meaningful change / Zach Carter.