don t make enough transactions each month. so the whole thing reminded me of a here s what happened. we re not going to be able to raise fees on interest. right? you have another fee. each time the government tries to hammer out a regulation, more bank fees pop up like the pesky moles do. neil: sometimes i go too far but the point was then, as it is now, that in our infinite wisdom to help, we create more problems and charley, to your point, we create a lot more problems. it s a super flews agency, the scoop consumer protection agency. neil: what does it do? watch other consumers and regulate banks. neil: how is it different from the fdic. 50 state attorney generals, u.s. attorneys. neil: we need more or better? you know, i think listen,