offer and doesn t let it go to the 29% mode when the period expires. you re taking free checking as a reward to the diligent consumer. you re no longer free checking. if you re the guy you re better off if the new regulation the zero sum game. brenda: nice guys finish last, stephen? i don t know, there s something to that. i think the problem is the rules were so obscure and hard to keep up with where and how the banks rules worked, that you get messed up even if you tried to be diligent. and don t tell me that people around the state haven t been hit by the fees? look, stephan, the deal here is that, there s regulation actually makes it worse to the people who can afford it the least. of course the person who, the $3 atm charge doesn t matter, doesn t matter. it s going to 5 bucks and 5 bucks and takes it away from people who have the least money. sam they think on checks and