families because we understa people's incomes a wages have not gone up, kept pace with increases in health care and college and so forth. the second thing thator we felt was very important was to start creating some rules of the road again. so in financial services, for example, we passed a financial regulatory bill to make sure that we're not going to have taxpayer bailouts, make sure e a banks have to oper little bit more responsibly and take less risks with the money that they're investing. and we also made sure that consumers are treated more fairly, because part of what happened in this financial crisis was people were getting mortgages that they didn't understand. suddenly the bottom fell out of the housing market and banks found themselves in a crisis situation. so what we' said is, let's make sure that consumers know exactly the kinds of mortgages they're getting. let's make sure that they can't be steered into these balloon-type payments where
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