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the small businesses need to get their lending. i can t tell you how many small businesses i hear from saying, carmen, i can t get a loan. i can t get anywhere. the businesses go under that is 50 more people without a job. something needs to be done. meanwhile, we are getting these reports that banks are looking at not on the financial regulatory reform, which is going to haul them back from a lot of the fees they were getting. oh, yeah. case in point, the banks that signed you up for overdraft protection, got money out, you accidentally overdrew your account, oh, whoops, $30 fee. they are not allowed to do that anymore unless you expressly give them permission to do it. what are the banks doing, we can t make that money, we will turn around and charge everybody fees. banks are so creative they need a gallery at the met. here is how creative they are getting. they understand we are lowering our balances, not carrying balances, we are using our cards less and people with good cr