I still advocate - under R or D (but Joe won) - utility model
not too hot not too cold
just right
with a TREASURY guarantee which super reduces capital needed !!!! thus making a deal so much easier but F and F (or FF) will have to do stuff for working (repeat - working) middle class and will be regulated to ONLY (!! ONLY!!) 8% profit and ONLY a 5-6 percent dividend that rises by at least CPI each year - ONLY