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Banks. is that going to have to get passed? let s hope it doesn t. when you have can have credit card companies forcing to you pay 3400% for overdraft, right now you see creditors going into reverse mortgages, we need something to protect our consumers. to mike s point, if there is anything i learned in the military, take the lessons and apply them to future about jobs. for example, number one, i watched the clinton administration give three surpluses in the last three budgets because it had a pay as you go requirement. so in 2001 when the republican leadership threw that away, we had $6.5 trillion in debt. so we need that in law. president reagan, when he had the s&l crisis, he said i got to spend 4% of gross domestic ....