Comptroller of the Currency John D. Hawke says banks owned by financial conglomerates should better protect their interests—by insisting on reasonable compensation—when dealing with affiliated organizations that want to sell products to bank customers ( www.occ.treas.gov/ftp/release/2002-78.doc ). Hawke recommends several additional ways—including adopting corporate governance standards—banks can preempt government intervention and retain their self-regulatory powers.