but people that do not have a lot of money and maybe that buy coffee at starbucks. >>guest: the industry has gone from being able to borrow and lend and make a lot of money on the interest rates which are lower, and they cannot do that so they are going to increase their fees, going into overdraft fees and different ways to make up the loss revenue. but the problem is we have seen regulation as a result of the lower income customers getting hit saying it is ridiculous $35 or $40 for a $3 cup of coffee and this along with a durbin amendment changing fees that banks can get, this is part of the reason why we are now seeing $5 a month debit card charges and up to $20 a month for a checking account and the banks will say this is how they make the charges more trance parent. >>shepard: remember when they changed the rules so the bank
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