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" Sometimes I think I can , " he whispered . No new regulations or amendments can , however , be violative of the Constitution . In addition to a short faxed letter based on the following talking points , PLEASE forward this alert to as many other individuals or listservs as you can , including library colleagues ; faculty ; professional , public interest and community organizations ; or even chat rooms . The transition can , and must , be made within ten years . First , there will be a much more level playing field , with for example , an " integrated prudential sourcebook " providing a common basis for capital rules for banks , investment houses , and , so far as it can , consistently with EC directives , insurers .