There's a second alternative: A growing number of New Yorkers are going for duct-free AC systems that involve a small, wall-mounted indoor fan powered by a separate outdoor unit the size of suitcase.
There is some debate as to how exact defensive statistics are, but there is little question that they separate the good from the bad, especially with a large sample size.
Yet despite some talk about the need for a new Glass-Steagall act to separate retail and investment banking, and for higher capital charges based on size, the idea of breaking up institutions does not have great momentum.