The Financial Crisis Inquiry Commission is finally starting its work tomorrow. Its mission is to expose the roots of the financial crisis. The CEOs of Goldman Sachs, JPMorgan Chase, Morgan Stanley and Bank of America will testify before a bi-partisan panel, and we can probably expect more public apologies. But is a corporation’s apology the same as making reform? We speak to Jackie Calmes, national correspondent for The New York Times, and Scott E. Talbott, chief lobbyist for the financial services industry at the Financial Services Roundtable.