MIAMI -- Nearly two years after the collapse of Bear Stearns tipped off a global financial crisis, many people are still frustrated, confused, afraid, angry or resentful. Investors, regulators, legislators and Wall Street executives occasionally look for someone to lash out at, but no one is sure whom to blame or how to prevent such a disaster from happening again.

There are a number of proposals being debated in Congress to increase transparency and help regulators assess risks, but even though Congress has been deadlocked for months and unable to do much of anything, executives are almost certain there will be action on target-date funds.

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