In January of this year, American political consultant Dr. Frank Luntz released a 17-page talking points memo titled “The Language of Financial Reform,” in which he urges opponents of bank reform to reframe the effort as a mishmash of bailouts, loopholes and bureaucracy. In short order, Luntz-listening legislators lined up to shout “BLACK” at the kettle, before returning to their work crafting endless loopholes to bail out campaign contributors in their home states. I read the memo upon its release and promptly tossed it in my compost bin (I’m always short on browns).