Some economists predict a long recession, say problem stems from greed, dishonesty.
With a retirement this summer, the central bank will have just four of seven board seats filled.
Companies that treat employees with respect and fairness are more productive and grow faster, observers say.
The central bank would oversee all financial markets, under a new plan.
Reception to reform is warm on the Hill, but lawmakers seek more urgent action.
Three political clans introduce the next generation of leaders.