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Could I ask who's calling? order ginette-35 Speaking of subversive, I think that both risk management and new regulations are set up to be subverted if the incentives aren't right, too. (Put rules, regulations and incentives in a 2 on 1 Ultimate Fighting Championship, and incentives will score a knockout every time.) Yes, there have been lots of changes to incentives after the crisis. There's more disclosure, and firms often have "clawback" provisions, meaning that bankers who do bad things have to give the money back. (Three JPMorgan traders were hit by this.) And bankers are getting a smaller percentage of their pay in upfront cash. A chunk, which is often in the firm's stock, is held back, or deferred.

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