As you very well already know, banks and investment firms played a large part in the economic meltdown last year.  Yet, they've made virtually no change in the practices that brought on the severe recession.  Two of the worst practices, overpaying CEOs and top staff regardless of performance; and encouraging risky investments in the hope of big profits.  The Administration and Congress called these faulty practices to the attention of banks receiving TARP funds.  Their warnings have been ignored.  Washington must make it absolutely clear. No future Federal aid to financial institutions that haven't reformed their compensation and investment practices.