A FEELING of fear still haunts Sukatmo Padmosukarso. This Deputy Managing Director of Bank Internasional Indonesia is worried because the government does not yet have a strong legal umbrella with which to restrain and handle the financial crisis. The Regulation to replace State Decree (Perpu) 4/2008 on the Financial Safety Net System failed to become a state decree after the House of Representatives (DPR) refused its validation at a plenary sessio