Bair: "Why it's time to break up the 'too big to fail' banks"

``Supersizers argue that their scale is necessary to meet the financial needs of multinational corporations. But it's not clear that multinationals find it advantageous to do business with a handful of financial titans. Dealing with smaller, more focused institutions provides specialized expertise and less risk of conflicts. If there were really that much value in supersizer services, presumably it would show up in shareholder returns. But it doesn't. ''