loans that borrowers can't repay. they've got to verify and document a brower's income in savings. they also can't steer people into high rate loans when they qualify for lower rates. and it limits penalties for paying off your mortgage early. but of all the changes, experts tell us that the most significant one for you and me is the consumer protection agency. it will be making rules for years to come. and the agency's goal is to make sure that financial products are easier to understand. and a personal finance expert summed it up this way. for the first time in a long time, someone has got a full-time job looking out for us, fred. >> okay. that could be good news. let's hope it is, right? all right, patricia woo, thanks so much from new york. appreciate that. mississippi kids help rebuild their communities after hurricane katrina. tom foreman takes us to a town coming back from catastrophe. a. she starts at dawn and so does her back pain. that's two pills for a four hour drive. the drive is done. so it's metal benches,