<b>Full coverage:</b> Five years after the meltdown

The days of bottle service at posh Manhattan clubs, firm-funded lavish holiday parties and giant bonuses are gone for many who work in finance.

Small banks are finding it increasingly tough to survive, in part because of the cost of complying with regulations stemming from the financial crisis.

Corporate America, banks, the super rich and the index investing concept have gained. Savers, low-skilled workers, many homeowners, and stock exchanges have suffered.

Acronyms such as TBTF, TARP and ZIRP are among the terms that became part of the American lexicon with the 2008 crisis.