[New York, September 14. Image via Getty]

A woman holds a placard outside Federal Hall in New York, NY, as US President Barack Obama delivers a major speech on the finacial crisis September 14, 2009. Obama on Monday warned Wall Street it must not return to the 'reckless behavior' and 'unchecked excess' which he blamed for unleashing the global financial crisis. The president, in a major economic speech at the heart of the mighty US financial system just blocks from the New York Stock Exchange, laid out a wide ranging prescription for rebuilding the US finance system. He said the crisis was a 'collective failure' of Washington, Wall Street and across America, vowed to press G20 powers for action on regulatory reform, and cautioned top executives not to squander public trust with huge bonuses. AFP PHOTO/Jim WATSON (Photo credit should read JIM WATSON/AFP/Getty Images)