The big reg is a LM317, just there for testing, will be using LM1117's for the actual adapter

The way they are terminated is actually closer to active termination, as trag mentioned earlier in the thread passive termination entails using two sets of resistors

And there isn't anything wrong with the way i have been doing it, just it relies on the 5v rail being the correct voltage, so if they where used in a computer with a wacked out 5v rail there is a chance you could get some damage (but if you have a wacked out 5v rail your probably gonna damage something anyway)

The regulators don't add any extra cost to the adapter, there a couple of pence each from china, + a tiny square of pcb (which i'll produce myself)