by Vera H-C Chan Time's magazine's May 24 cover ladies and the Senate's passage of the financial overhaul bill is nicely timed, but no coincidence. By many accounts ( including Time's ), Elizabeth Warren , Mary Schapiro , and Sheila Blair have been consistent voices of reason in the financial maelstrom that have been years in the (un)making. Of varying political persuasions but of (mostly) heartland roots, they've warned against possible bank failures (check),