credit. ed, let me start with you. this new wall street reform bill actually helps people access their credit scores more easily. how much does it help consumers and in what other ways? >> well, the bill is, first of all, a landmark reform because it creates a new consumer bureau. it's the biggest since 1943. but getting access to your credit scores is part of it, but the bureau is a new consumer protection machine that will have the authority to regulate every financial product sold by a bank or non-bank, payday lender or whoever. so it's a very big victory for consumers. >> it's a big change, but lynette, i'm curious your take. is this credit score system broken? i'm astounded why i can't figure out why my scores are the way it is. i have three very different scores and it's all done in a black box. >> a lot of people have made that criticism and said the