US Federal Reserve Board Chairman Ben Bernanke(R)and Treasury Secretary Henry Paulson arrive to testify before a US House Financial Services Committee hearing on "Financial Market Regulatory Restructuring." July 10, 2008 on Capitol Hill in Washington, DC. The hearings are focusing on the policy implications of the transformation of domestic and international financial markets, with a primary focus on the rise of potential systemic risk associated with the dramatic growth in the share of assets held outside the commercial banking system, the complex arrangements that link firms that are regulated differently (or not at all) and the increasing amount of leverage. AFP PHOTO/Karen BLEIER