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
big money center banks, local you know, credit unions and things like that. of course, if they want to gain market share they would pass these along, i have to last when he says he will now have a fairer system as if it s government s jobs to ensure that we have honesty in all industries. you know, most, a lot of government is so corrupt to begin with, can t spend our dollar wisely, yes, they re going to be charge in fairness for the financial industry, love it. jonas, who wins and who loses here? and corrupt just to clarify look the point the stop the next banking crisis and bernie madoff, and the specifics there are winners and losers, what basically happened, the person offer the limit and sets, they benefit because now there will be less onerous fees on that person, the overdraft client. the guy who plays by the rules got free checking, the same with the guy with the 0% cash
and don jackson threatening intelligent at secured works, he joins us from atlanta. nice to see you this morning, don. hi, clayton. it s nice to be here. explain first of all. every week we re hearing about a denver type of virus and trojan virus, what is the zeus virus, how do we need to protect ourselves. well, the zeus virus is a kit, you buy it online so it s available to the public. it s a piece of software that s designed solely to do one thing and to steal money out of the bank account. one of the most advanced ones, and most features and most of the banks rules as far as how you access money. okay, so you just described for us what it is. let s take a look of the how of this thing and put it up on the screen as we look how it works. how does this thing infect our computers and manage to grab money out of our bank accounts or information about our bank accounts. sure, so the people that use zeus are going to try to target the people that have the most money in the bank