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That means they can more or less do whatever they want in terms of the services they offer and the prices they charge. Unless, of course, you put in insane amounts of regulation. And that leads to regulatory capture, where the regulators are under control of the monopoly, instead of the other way around!“Think of it like the Defense Department. Do you think they control Lockheed and Boeing? Or is it the other way around? Or banks and regulators. Look at the S&L mess that’s going on right now and the fact that the FSLIC became insolvent. That was a highly regulated industry where the banks basically co-opted the regulators. On the plus side, we’re getting some business from that.”Jessica laughed, “Ever the capitalist! What kind of business?”“A totally corrupt Savings and Loan in Michigan, Regency, run by the Quinlan family, was taken over by the FSLIC. When FSLIC failed and was subsumed into the FDIC, they inherited the problem. Regency used a PRIME 750 to do their processing using. I was trying to complete my third and final year of law school without too much hassle, but she insisted we move in together. That strained our finances as I was trying not to be too great a burden on my parents. Doris just let a few hints drop on her mom who increased her allowance. But that seem to give rise to the expectations that this relationship was going someplace serious.By the beginning of May, things had gone way past expectations into 'what are you waiting for.' Doris had made it plain that I had taken her virginity and that I owed her. Odd since it was her idea, no make that demand, but I could also see it from her point of view. I was about to graduate law school. I would be twenty-five single and the proud possessor of ticket to a professional career. I was a very desirable catch for the many single women out there in the real world beyond the University. She, on the other hand, was just finishing her sophomore year with enough credits to skip a semester, but still.
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