Seriously? Who has.........................

"The senator from Vermont was part of the Congress that passed the Dodd-Frank Act extending financial regulation. Yet he has not even mastered the thousand pages or so of the act, far less the regulations and explanatory documents that have been published since."

-John Kay, as excerpted from here

While decrying the complexity of modern financial institutions ("Complexity is the enemy of stability"),  Kay can't help but notice the complexity of modern governmental regulations:

"These issues are compounded by the regulatory complexity that follows from attempts to monitor behaviour in impossible detail. As the size of the Dodd-Frank legislation shows, we have locked ourselves into a spiral in which regulatory complexity gives rise to further organisational complexity and the construction of yet more esoteric instruments. Even if legislators had better motives than the present corrupting structure that US campaign finance seems to allow, they cannot hope to have more than a basic knowledge of the rules they promulgate or the workings of the regulatory institutions they have created."

-John Kay, as also excerpted from here