The paper offers a critical assessment of the financial reforms adopted or proposed at the European level. The reshaping of the EU institutional architecture and the adoption of the new Basel 3 rules should reduce the national margins of discretion that have up to now characterised supervisory practices. often leading to light touch supervision. and restrain the growth of bankarisation. https://www.spidertattooz.com/Superdry-Organic-Cotton-Essential-Baseball-L-S-T-shirt/