Fifteen CEOs of big financial institutions signed a letter urging Congress and President Obama to avoid the fiscal cliff. Lovely gesture, but the problem is not whether to run off the cliff or not, but how to avoid going over. The solution will require a long-term plan that both sides of the aisle can agree on, which neither can. A letter signed by 15 banking CEOs probably won’t get a whole lot accomplished, but they can exert some influence. Even perhaps nudge Washington on a path away from the cliff.