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Discussion when they hear this at the dinner table. >> if in fact this change is adopted, does that -- do you see from a legal perspective as allowing the government to discriminate against transgender people. >> to answer that, we have to go back in history to the origin of title nine. 1972 it was intended to bring down barriers for women in education. for that reason, it used the word sex. had it used in 1972 a gender definition, we would not be having that dispute. we fast forward on the obama administration. congress can not pass new law. the obama did not use the rule making provisions of...

Standards will not get those mortgages and credit cards. remember, we just learned 43 million americans have a credit score below $599. in other words, they're not going to -- >> some people would say that's a good thing. fannie and freddie got ourselves into the financial mess that we find ourselves in. the other side of the coin is small businesses can't get lending already. will this make it worse? >> that's the other side of the coin. if you're operating small business, does financial regulation, this new regulation, does it make a difference for you? it makes you getting a loan probably l...