You hear it all the time: Think outside the box. But those who purport to protect us with rules and regulations don t do their thinking inside comfy, three-dimensional boxes. They are stuck inside cramped, one-dimensional squares. The world isn t square. It isn t even flat. It s varied, fast-paced, and changing. You re along for the ride whether you like it or not; the good old days got outsourced overseas. Whether it s the small-time thugs who make business owners pay for protection or bureaucrats who promise the masses that rule writing will cure all that ails, America can t take it anymore. In We re All Screwed, financial regulation industry insider Stephen A. Boyko explains how creativity and three-dimensional thinking are the best tools for developing a governance plan. With input from top professionals and entrepreneurs, Boyko outlines a nonlinear approach to governance that works in any area of the world. Boyko envisions a future where America can be a contender. He shatters the pretence of regulatory protection, explaining that linear approaches to governance and subsidized risk never worked and never will. Boyko illustrates how entities meant to govern capital markets have created false hierarchies, false protection, and false promises, saddling Americans with restrictive, obsolete, one-size-fits-all lists of incomprehensible, ineffective rules. Enough is enough! There is a better way. Heeding Boyko s advice is not the gamble; hugging outdated rules around you like the fuzzy gauze of pseudo security is the real risk.