William Dunkelberg, professor of economics at Temple and chief economist of the National Federation of Independent Businesses, wants to turn the clock back to the time before Congress repealed the Glass-Steagall Act in 1999. That law made banks choose either investment or commercial and retail banking. They could take deposits and lend money, or construct and market securities, but not both. Glass-Steagall aligned commercial banking interests with those of small and medium-sized businesses. For one to succeed, both had to. "Glass-Steagall reinstatement of some sort might get more attention to lending to smaller firms," Dunkelberg said.