Matthew Lynn at Bloomberg has some bad news for new MBAs looking to make it big: Bankers are the new civil servants. The high-risk-high-reward days and their subsequent windfalls are over. "When you are working for a publicly owned utility, with no risk of bankruptcy," Lynn writes, "you can't expect to make anything more than a normal middle-class salary." Bankers can kiss bonuses goodbye and may have to exchange their posh corporate headquarters for office parks in (gasp!) "less fashionable parts of town." Lynn’s conclusion: "[T]he days of swaggering around the place as masters of the universe are over."