saturn as their cost cutting. and what should we be on the lookout for? >> that's a great way to put it. even after credit card reform, some lawmakers are calling this gaping holes in the legislation. with the interest rates you might not be able to believe this. let me give you an example. premiere bank is offering a card with 59.9% interest rate. they can still do it. here in new york, they are capped at 18% interest rate by law. and that infewer rates some lawmakers that banks don't have a cap. here is one lawmaker. take a listen. >> what we have right now are millions of americans who are paying 20, 25 or 30% and more on interest rates on credit cards, and frankly that is immoral, and