Ok so now Hagel says he's gonna stop sexual assaults against women in the military by looking at credentials and requiring refresher training for recruiters, assault responders and advocates. Really? Are we dealing with the Boston bomber or the Colorado movie guy by talking to their college recruiters? Hello, how about punishing the the bad guys-whatever happened to deterring crime with CONSEQUENCES?

To the Editor:

If there's one thing industry insiders knew and everybody else has seen from the OCC and robosigner settlements,  it’s that, at best, regulators underestimated the complexity and man power associated with these problems (at worst they knew what banks and servicers were doing all along, only to later leverage these institutions as scapegoats).  Case in point, regulators estimated they would need only a handful of hours to review files believed to contain errors.  After months and almost $2 billion, they realized the reviews required five times the time and cost estimated.