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My bank regulation students received their final paper topic today. This is a big one. Let me preface this by saying that I have high regard for my students. They have excellent analytical and technical abilities and I think, generally speaking, they are able to bring these skills to bear on important problems. So I decided to give them a big one in bank regulation. I asked them to solve the problem of “Too Big to Fail” (TBTF).

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Economic development and economic growth are key ideas in any state or area, but clearly are a hot topic in North Dakota. The economic success in North Dakota represents an incredible opportunity to catch up in areas perceived to behind and to move into areas that will define the future. It is essentially North Dakota’s opportunity to write its own ticket. What I see missing from the discussion right now is a meaningful discussion on the fiscal side.

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