Elizabeth Warren

AGE: 59
OCCUPATION: Congressional Oversight Panel chairwoman
PREVIOUS APPEARANCES ON THE TIME 100: 0

PRO: The Harvard law professor — whose duties include keeping a sharp eye on TARP money — has emerged as one of the most vocal critics of the Treasury Department, assailing what she sees as a muddled, inefficient bailout process.

CON: Despite Warren's calls for greater transparency, Treasury remains just as opaque as ever.

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