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States, you see slow growth and slow job creation. >> you believe that econ professors teach this stuff. >> >> i wonder if professor smith would double his teaching load if the unc chopped his salary in half. i bet not. >> we have a credit crisis so regulate the banks. you testified before congress on dodd-frank. >> since dodd-frank was passed in response to the financial crisis to protect consumers. what we are seeing in practice consumers are having less access to credit and savings, banks fees are at record highs. over 3 million people have been shut out of the banking system. this is the l...

Slow job creation. john: can you believe economic professors teach this stuff? >> i wonder if professor smith would double his teaching load if unc chopped the salary in half. i bet not. [laughter] john: there's a credit crisis, regulate the banks. you testified that dodd-frank is the cure. >> dodd-frank was passed in response to the financial crisis to protect consumers, but what we are seeing in practice is that consumers are having less access to credit and savings, and bank fees at record highs, and 3 million people shut out of the banking system. it's a law of unintended consequences. joh...