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(WSJ) — Ever since the 2008 crash destroyed American life as everyone knew it, Wall Street bankers have feared that Washington lawmakers would throw a wrench into their money-making machine. That future is almost here.

The Dodd-Frank financial reform bill, which could be approved by the Senate as early as this week, would mark the dawn of a significantly less profligate era for Wall Street and years of painful adjustment for the millions of New Yorkers who feed off the financial industry’s largesse, from city and state government employees to real estate agents and restaurateurs.

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