The incentive structure for examiners in the field is one-sided and differs from the incentives facing Chairman Bernanke, for example, during Congressional testimony.

FORBES: What's Choking Bank Lending?

"We started by attacking garrisons and the support structure which supports these forces in the field ... and subsequently have gone into attacks on deployed forces or forces in their staging areas, " said U.S. Rear Adm.

CNN: NATO brushes aside Yugoslav offer, targets troops

Michael Heben of America's National Renewable Energy Laboratory, a pioneer in the field, believes that it is something to do with the structure of the nanomaterials' surfaces.

ECONOMIST: Space-age soot

This has encouraged literally hordes of nonmeteorologists -- many of whom who do not understand storm structure or behavior -- carrying cellular phone cameras into the field.

CNN: Why we chase storms

From this perspective, regulatory bias is a natural human manifestation of the current institutional structure of financial regulation in which the financial services industry enjoys a decisive home-field advantage.

FORBES: The Surprising Reason Why The Banks Always Win: The Home-Team Advantage