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The rule disincentivized banks from pursuing strategic growth and disproportionately harmed small and mid-size community banks that do not have the excess capital to afford high compliance costs nor the manpower to navigate administratively burdensome and opaque regulations

The deal, brokered by Arnones Bear Stearns team, had one silver lining: It let New Jersey keep about 24 percent of its tobacco payments, as opposed to the 100 percent it had given up in the earlier deal

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IARC, Lyon, France Jalas J, Hecht SS, Murphy SE (2005) Chem Res Toxicol 18:95110 Johnson L, Mercer K, Greenbaum D et al (2001) Nature 410:11111116 Kim MY, Cho MH (2009) Toxicol Ind Health 25:189195 Kim V, Rogers TJ, Criner GJ (2007) Semin Thorac Cardiovasc Surg 19:135141 Lee JM, Yanagawa J, Peebles KA et al (2008) Crit Rev Oncol Hematol 66:208217 Le Marchand L, Derby KS, Murphy SE et al (2008) Cancer Res 68:91379140 Lijinsky W (1992) Chemistry and Biology of N -Nitroso Compounds

Samples of such pledges are on the Students Against Destructive Decisions (SADD) website ( 2