The days when any large-ish bank could setup shop, load its balance sheet with debt and become an also-ran in anything from bond underwriting to complex derivatives are over.
And, in an effort to bring back at least a light version of the central idea of Glass Steagall, the bill would require banks to setup separate affiliates, each with its own balance sheet, one with FDIC deposits and one without them.
You're greeted with a solid plastic box that holds your documents, a branded mousepad, toolkit, T-Shirt and a hand-written quality-assurance sign-off sheet from the person who tested and setup your gear.