Another academic institution wanted to buy the entire campus, but that seemed too drastic a move.

"The big institutions want a direct way to play this," he said.

Financial institutions want a complete picture of their customers' finances.

"The institutions just don't want to play in that game."

Financial institutions want to see a certain amount of equity in a business.

After all, what institution wants to be thought of as risking public safety?

"No institution wants to change without outside pressure," he said.

Any responsible institution would want to put an end to this situation.

If the two institutions want to debate among themselves, surely they can do that in the Council.

It's wonderful that people and institutions in rich countries want to do something to help.