*  *  Introduction  Being in Athens, it seems appropriate to start with a reference to a great thinker who had established his Lyceum not far from this auditorium: Aristotle once said “We are what we repeatedly do.
I would briefly allude to the crisis to provide a context for some of the issues I would be touching upon. I recall a quip, “Just when we thought we knew all the answers, someone changed the questions” and I think that the saying best describes what the crisis has done to the hitherto accepted regulators’ wisdom.