The Cost of Doing Business

This country runs on gas. That's a fact. While we would love to find an alternative, it just isn't happening. Our current President set out to solve the problem, it was one of his main objectives. To support this statement, here is a quote from his "Person of the Year" interview in Time magazine, December 29, 2008.

[Time] When you look at the economic issues that you ran on in the campaign, does [all the bad financial news] change your priorities about how quickly you’ve got to act on, say, jobs vs. energy?

[President Obama] Fortunately, most of the proposals that we made apply not only to our long-term economic growth but also fit well into what we need to do short term to get the economy back on track. I have talked during the campaign about the need to rebuild our infrastructure, and that obviously gives us an opportunity to create jobs and drive demand at a time when the economy desperately needs jobs and demand. I’ve talked about a tax cut for 95% of working families, and that fits into a stimulus package, and we can get that money out into people’s pockets fairly quickly. I’ve talked about the need for us to contain health-care costs, and it turns out there’s some spending that has to be done on information technology, for example, that we can do fairly swiftly. So there’s no doubt that most of the priorities that I had are ones that will serve our short-term economic needs as well as our long-term economic needs.

The drop in oil prices, I do think, makes the conversation about energy more difficult, not less necessary. More than ever, I think, a wholesale investment in transforming our economy—from retrofitting buildings so that they’re energy-efficient to changing our transportation patterns and thinking about how to rebuild our electricity grid—those are all things that we’re going to need now more than ever. But with people not paying $4 a gallon for gas, it means it drops on their priority list. And that makes the politics of it tougher than it might have been six months ago.

The emphasis in the last paragraph I added to make a point. The pipeline from Canada was recently rejected. That is just one example of the current policies. I found the chart below on an internet source, gasbuddy.com. It shows the average price for gas in the United States between February 2007 and February 2012. I believe it shows a trend that is supported by our current administration. You can draw your own conclusions.

Oh yes, one more thing, here in California the current price is well over $4.00 a gallon and going up. I suppose that makes our President happy.

That Health Care Thing

I do believe that the current confrontation between religious groups and the Administration is just the beginning of a long "debate." The Patient Protection and Affordable Care Act (PPACA) contains over 3,000 references to "the Secretary." Most refer to the Secretary of Health and Human Services, although there are references to the Secretary of Labor, and the Secretary of the Treasury. Over 650 times it uses the phrase, "by the Secretary." What does that mean? Well, here are some items I found on government web sites.

First, here is an excerpt from an Executive order that concerns the implantation of PPACA.

Executive Order 13535

“Upon completion of those model guidelines, the Secretary of HHS should promptly initiate a rulemaking to issue regulations, which will have the force of law, …."

The Act doesn't tell us what affordable health care is, it authorizes the Administration to tell us what it is, and make the law.

The Act itself is hundreds of pages long. What could take so many pages to say if it is the "Secretary" who will determine the law?

Here is the section on insurance for abortion from the act as amended. Remember this was a major issue before the bill passed. This is how it was resolved as compiled by the Office of Legislative Counsel.

Compilation of patient protection and affordable care act

[as amended through May 1, 2010]

Including

Patient Protection And Affordable Care Act

Health-Related Portions Of The Health Care And

Education Reconciliation Act Of 2010

Prepared by the Office Of The Legislative Counsel

For the use of the U.S. House Of Representatives

SEC. 1303 [42 U.S.C. 18023].. SPECIAL RULES.

[Replaced by section 10104(c)]

(a) STATE OPT-OUT OF ABORTION COVERAGE.—

(1) IN GENERAL.—A State may elect to prohibit abortion

coverage in qualified health plans offered through an Exchange

in such State if such State enacts a law to provide for such prohibition.

(2) TERMINATION OF OPT OUT.—A State may repeal a law

described in paragraph (1) and provide for the offering of such

services through the Exchange.

(b) SPECIAL RULES RELATING TO COVERAGE OF ABORTION SERVICES.—

(1) VOLUNTARY CHOICE OF COVERAGE OF ABORTION SERVICES.—

(A) IN GENERAL.—Notwithstanding any other provision

of this title (or any amendment made by this title)—

(i) nothing in this title (or any amendment made

by this title), shall be construed to require a qualified

health plan to provide coverage of services described

in subparagraph (B)(i) or (B)(ii) as part of its essential

health benefits for any plan year; and

(ii) subject to subsection (a), the issuer of a qualified

health plan shall determine whether or not the

plan provides coverage of services described in subparagraph

(B)(i) or (B)(ii) as part of such benefits for

the plan year.

(B) ABORTION SERVICES.—

(i) ABORTIONS FOR WHICH PUBLIC FUNDING IS PROHIBITED.—

The services described in this clause are

abortions for which the expenditure of Federal funds

appropriated for the Department of Health and

Human Services is not permitted, based on the law as

in effect as of the date that is 6 months before the beginning

of the plan year involved.

(ii) ABORTIONS FOR WHICH PUBLIC FUNDING IS ALLOWED.—

The services described in this clause are

abortions for which the expenditure of Federal funds

appropriated for the Department of Health and

Human Services is permitted, based on the law as in

effect as of the date that is 6 months before the beginning

of the plan year involved.

(2) PROHIBITION ON THE USE OF FEDERAL FUNDS.—

(A) IN GENERAL.—If a qualified health plan provides

coverage of services described in paragraph (1)(B)(i), the

issuer of the plan shall not use any amount attributable

to any of the following for purposes of paying for such

services:

(i) The credit under section 36B of the Internal

Revenue Code of 1986 (and the amount (if any) of the

advance payment of the credit under section 1412 of

the Patient Protection and Affordable Care Act).

(ii) Any cost-sharing reduction under section 1402

of the Patient Protection and Affordable Care Act (and

the amount (if any) of the advance payment of the reduction

under section 1412 of the Patient Protection

and Affordable Care Act).

(B) ESTABLISHMENT OF ALLOCATION ACCOUNTS.—In the

case of a plan to which subparagraph (A) applies, the

issuer of the plan shall—

(i) collect from each enrollee in the plan (without

regard to the enrollee’s age, sex, or family status) a

separate payment for each of the following:

(I) an amount equal to the portion of the premium

to be paid directly by the enrollee for coverage

under the plan of services other than services

described in paragraph (1)(B)(i) (after reduction

for credits and cost-sharing reductions described

in subparagraph (A)); and

(II) an amount equal to the actuarial value of

the coverage of services described in paragraph

(1)(B)(i), and

(ii) shall deposit all such separate payments into

separate allocation accounts as provided in subparagraph

(C).

In the case of an enrollee whose premium for coverage

under the plan is paid through employee payroll deposit,

the separate payments required under this subparagraph

shall each be paid by a separate deposit.

(C) SEGREGATION OF FUNDS.—

(i) IN GENERAL.—The issuer of a plan to which

subparagraph (A) applies shall establish allocation accounts

described in clause (ii) for enrollees receiving

amounts described in subparagraph (A).

(ii) ALLOCATION ACCOUNTS.—The issuer of a plan

to which subparagraph (A) applies shall deposit—

(I) all payments described in subparagraph

(B)(i)(I) into a separate account that consists solely

of such payments and that is used exclusively

to pay for services other than services described in

paragraph (1)(B)(i); and

(II) all payments described in subparagraph

(B)(i)(II) into a separate account that consists solely

of such payments and that is used exclusively

to pay for services described in paragraph

(1)(B)(i).

(D) ACTUARIAL VALUE.—

(i) IN GENERAL.—The issuer of a qualified health

plan shall estimate the basic per enrollee, per month

cost, determined on an average actuarial basis, for including

coverage under the qualified health plan of the

services described in paragraph (1)(B)(i).

(ii) CONSIDERATIONS.—In making such estimate,

the issuer—

(I) may take into account the impact on overall

costs of the inclusion of such coverage, but may

not take into account any cost reduction estimated

to result from such services, including prenatal

care, delivery, or postnatal care;

(II) shall estimate such costs as if such coverage

were included for the entire population covered;

and

(III) may not estimate such a cost at less than

$1 per enrollee, per month.

(E) ENSURING COMPLIANCE WITH SEGREGATION REQUIREMENTS.—

(i) IN GENERAL.—Subject to clause (ii), State

health insurance commissioners shall ensure that

health plans comply with the segregation requirements

in this subsection through the segregation of

plan funds in accordance with applicable provisions of

generally accepted accounting requirements, circulars

on funds management of the Office of Management

and Budget, and guidance on accounting of the Government

Accountability Office.

(ii) CLARIFICATION.—Nothing in clause (i) shall

prohibit the right of an individual or health plan to

appeal such action in courts of competent jurisdiction.

(3) RULES RELATING TO NOTICE.—

(A) NOTICE.—A qualified health plan that provides for

coverage of the services described in paragraph (1)(B)(i)

shall provide a notice to enrollees, only as part of the summary

of benefits and coverage explanation, at the time of

enrollment, of such coverage.

(B) RULES RELATING TO PAYMENTS.—The notice described

in subparagraph (A), any advertising used by the

issuer with respect to the plan, any information provided

by the Exchange, and any other information specified by

the Secretary shall provide information only with respect

to the total amount of the combined payments for services

described in paragraph (1)(B)(i) and other services covered

by the plan.

(4) NO DISCRIMINATION ON BASIS OF PROVISION OF ABORTION.—

No qualified health plan offered through an Exchange

may discriminate against any individual health care provider

or health care facility because of its unwillingness to provide,

pay for, provide coverage of, or refer for abortions

(c) APPLICATION OF STATE AND FEDERAL LAWS REGARDING

ABORTION.—

(1) NO PREEMPTION OF STATE LAWS REGARDING ABORTION.—

Nothing in this Act shall be construed to preempt or

otherwise have any effect on State laws regarding the prohibition

of (or requirement of) coverage, funding, or procedural requirements

on abortions, including parental notification or consent

for the performance of an abortion on a minor.

(2) NO EFFECT ON FEDERAL LAWS REGARDING ABORTION.—

(A) IN GENERAL.—Nothing in this Act shall be construed

to have any effect on Federal laws regarding—

(i) conscience protection;

(ii) willingness or refusal to provide abortion; and

(iii) discrimination on the basis of the willingness

or refusal to provide, pay for, cover, or refer for abortion

or to provide or participate in training to provide

abortion.

(3) NO EFFECT ON FEDERAL CIVIL RIGHTS LAW.—Nothing in

this subsection shall alter the rights and obligations of employees

and employers under title VII of the Civil Rights Act of

1964.

(d) APPLICATION OF EMERGENCY SERVICES LAWS.—Nothing in

this Act shall be construed to relieve any health care provider from

providing emergency services as required by State or Federal law,

including section 1867 of the Social Security Act (popularly known

as ‘‘EMTALA’’)

Well, I guess that clears it all up. Just in case you missed it, here is that section 1 B (i) again. It is listed 8 times in this section alone.

(B) ABORTION SERVICES.—

(i) ABORTIONS FOR WHICH PUBLIC FUNDING IS PROHIBITED.—

The services described in this clause are

abortions for which the expenditure of Federal funds

appropriated for the Department of Health and

Human Services is not permitted, based on the law as

in effect as of the date that is 6 months before the beginning

of the plan year involved.

Affordable Health Care Law(s)

So today our President set policy for Catholics and contraception. I am not Catholic, but I know some. This is not about Catholics, it is about our Federal Government. I listened to the President and I asked (myself) "is he changing the law for Catholics?"

I went back to the Act, Affordable Health Care. I found a slightly newer version titled Compilation of Patient Protection and Affordable Care Act, dated May, 2010. This document includes the amendments, and combines other acts that are referenced in the bill, but that is boring stuff.

What does it say about contraception and/or Catholics? Nothing, or nearly nothing. It does, however, use the word, "Secretary" over 3000 times, as in, "the Secretary will," or, "by the Secretary." It seems to be referring to the Executive Branch Secretary of Health and Human Services, although I could not find a definition of "Secretary." The Act also contains the "Secretary of Labor," and "Secretary of the Treasury." So this Act passed by the Congress gives an unelected Cabinet member the authority to make law.

Then there are executive orders like the one today. Here is an exert from an earlier EO, as listed on the Health and Human Services web site.

Pre-Regulatory Model Guidelines Under Section 1303 of the Affordable Care Act (PL-111-148): Issued Pursuant to Executive Order 13535 (March 24, 2010)

Section I. General Information

I.1. Purpose of these pre-regulatory model guidelines

Executive Order 13535, “Ensuring Enforcement and Implementation of Abortion Restrictions in the Patient Protection and Affordable Care Act” (March 24, 2010) provides as follows:

“I hereby direct the Director of the OMB and the Secretary of HHS to develop, within 180 days of the date of this order, …. guidelines for State health insurance commissioners …. In developing these model guidelines, the Director of the OMB and the Secretary of HHS shall consult with executive agencies and offices that have relevant expertise in accounting principles, including, but not limited to, the Department of the Treasury, and with the Government Accountability Office.”

....

Upon completion of those model guidelines, the Secretary of HHS should promptly initiate a rulemaking to issue regulations, which will have the force of law, ….

Well, you can get more of this information on the web site. You haven't been to the web site! The Act gave all that instruction on using the web to provide us (the public) with all the information we need.

Example:

from a Compilation of patient protection and affordable care act

[as amended through May 1, 2010]

Including

Patient Protection And Affordable Care Act

Health-Related Portions Of The Health Care And

Education Reconciliation Act Of 2010

Prepared by the Office Of The Legislative Counsel

For the use of the U.S. House Of Representatives

SEC. 1103 [42 U.S.C. 18003]. IMMEDIATE INFORMATION THAT ALLOWS

CONSUMERS TO IDENTIFY AFFORDABLE COVERAGE OPTIONS.

(a) INTERNET PORTAL TO AFFORDABLE COVERAGE OPTIONS.—

(1) IMMEDIATE ESTABLISHMENT.—[As revised by section

10102(b)(1)] Not later than July 1, 2010, the Secretary, in consultation

with the States, shall establish a mechanism, including

an Internet website, through which a resident of any, or

small business in, State may identify affordable health insurance

coverage options in that State.

Is this what we expect of our federal government?

Today I tuned in to CSPAN and saw that the House was "debating" HR 3117 known by the title, "Permanent Electronic Duck Stamp Act of 2011." Below is the initial bill as it appears on line.

My comments are included at the end of the bill.

HR 3117 IH

112th CONGRESS

1st Session

H. R. 3117

To grant the Secretary of the Interior permanent authority to authorize States to issue electronic duck stamps, and for other purposes.

IN THE HOUSE OF REPRESENTATIVES

October 6, 2011

Mr. WITTMAN (for himself and Mr. KIND) introduced the following bill; which was referred to the Committee on Natural Resources

A BILL

To grant the Secretary of the Interior permanent authority to authorize States to issue electronic duck stamps, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ‘Permanent Electronic Duck Stamp Act of 2011’.

SEC. 2. DEFINITIONS.

In this Act:

(1) ACTUAL STAMP- The term ‘actual stamp’ means a Federal migratory-bird hunting and conservation stamp required under the Act of March 16, 1934 (16 U.S.C. 718a et seq.) (popularly known as the ‘Duck Stamp Act’), that is printed on paper and sold through a means in use immediately before the date of enactment of this Act.

(2) AUTOMATED LICENSING SYSTEM-

(A) IN GENERAL- The term ‘automated licensing system’ means an electronic, computerized licensing system used by a State fish and wildlife agency to issue hunting, fishing, and other associated licenses and products.

(B) INCLUSION- The term ‘automated licensing system’ includes a point-of-sale, Internet, or telephonic system used for a purpose described in subparagraph (A).

(3) ELECTRONIC STAMP- The term ‘electronic stamp’ means an electronic version of an actual stamp that--

(A) is a unique identifier for the individual to whom it is issued;

(B) can be printed on paper;

(C) is issued through a State automated licensing system that is authorized, under State law and by the Secretary under this Act, to issue electronic stamps;

(D) is compatible with the hunting licensing system of the State that issues the electronic stamp; and

(E) is described in the State application approved by the Secretary under section 4(b).

(4) SECRETARY- The term ‘Secretary’ means the Secretary of the Interior.

SEC. 3. AUTHORITY TO ISSUE ELECTRONIC DUCK STAMPS.

(a) In General- The Secretary may authorize any State to issue electronic stamps in accordance with this Act.

(b) Consultation- The Secretary shall implement this section in consultation with State management agencies.

SEC. 4. STATE APPLICATION.

(a) Approval of Application Required- The Secretary may not authorize a State to issue electronic stamps under this Act unless the Secretary has received and approved an application submitted by the State in accordance with this section.

(b) Contents of Application- The Secretary may not approve a State application unless the application contains--

(1) a description of the format of the electronic stamp that the State will issue under this Act, including identifying features of the licensee that will be specified on the stamp;

(2) a description of any fee the State will charge for issuance of an electronic stamp;

(3) a description of the process the State will use to account for and transfer to the Secretary the amounts collected by the State that are required to be transferred to the Secretary under the program;

(4) the manner by which the State will transmit electronic stamp customer data to the Secretary;

(5) the manner by which actual stamps will be delivered;

(6) the policies and procedures under which the State will issue duplicate electronic stamps; and

(7) such other policies, procedures, and information as may be reasonably required by the Secretary.

(c) Publication of Deadlines, Eligibility Requirements, and Selection Criteria- Not later than 30 days before the date on which the Secretary begins accepting applications under this section, the Secretary shall publish--

(1) deadlines for submission of applications;

(2) eligibility requirements for submitting applications; and

(3) criteria for approving applications.

SEC. 5. STATE OBLIGATIONS AND AUTHORITIES.

(a) Delivery of Actual Stamp- The Secretary shall require that each individual to whom a State sells an electronic stamp under this Act shall receive an actual stamp--

(1) by not later than the date on which the electronic stamp expires under section 6(c); and

(2) in a manner agreed upon by the State and Secretary.

(b) Collection and Transfer of Electronic Stamp Revenue and Customer Information-

(1) REQUIREMENT TO TRANSMIT- The Secretary shall require each State authorized to issue electronic stamps to collect and submit to the Secretary in accordance with this section--

(A) the first name, last name, and complete mailing address of each individual that purchases an electronic stamp from the State;

(B) the face value amount of each electronic stamp sold by the State; and

(C) the amount of the Federal portion of any fee required by the agreement for each stamp sold.

(2) TIME OF TRANSMITTAL- The Secretary shall require the submission under paragraph (1) to be made with respect to sales of electronic stamps by a State occurring in a month--

(A) by not later than the 15th day of the subsequent month; or

(B) as otherwise specified in the application of the State approved by the Secretary under section 4.

(3) ADDITIONAL FEES NOT AFFECTED- This section shall not apply to the State portion of any fee collected by a State under subsection (c).

(c) Electronic Stamp Issuance Fee- A State authorized to issue electronic stamps may charge a reasonable fee to cover costs incurred by the State and the Department of the Interior in issuing electronic stamps under this Act, including costs of delivery of actual stamps.

(d) Duplicate Electronic Stamps- A State authorized to issue electronic stamps may issue a duplicate electronic stamp to replace an electronic stamp issued by the State that is lost or damaged.

(e) Limitation on Authority To Require Purchase of State License- A State may not require that an individual purchase a State hunting license as a condition of issuing an electronic stamp under this Act.

SEC. 6. ELECTRONIC STAMP REQUIREMENTS; RECOGNITION OF ELECTRONIC STAMP.

(a) Stamp Requirements- The Secretary shall require an electronic stamp issued by a State under this Act--

(1) to have the same format as any other license, validation, or privilege the State issues under the automated licensing system of the State; and

(2) to specify identifying features of the licensee that are adequate to enable Federal, State, and other law enforcement officers to identify the holder.

(b) Recognition of Electronic Stamp- Any electronic stamp issued by a State under this Act shall, during the effective period of the electronic stamp--

(1) bestow upon the licensee the same privileges as are bestowed by an actual stamp;

(2) be recognized nationally as a valid Federal migratory bird hunting and conservation stamp; and

(3) authorize the licensee to hunt migratory waterfowl in any other State, in accordance with the laws of the other State governing that hunting.

(c) Duration- An electronic stamp issued by a State under the pilot program shall be valid for a period agreed to by the State and the Secretary, which shall not exceed 45 days.

SEC. 7. TERMINATION OF STATE PARTICIPATION.

The authority of a State to issue electronic stamps under this Act may be terminated--

(1) by the Secretary, if the Secretary--

(A) finds that the State has violated any of the terms of the application of the State approved by the Secretary under section 4; and

(B) provides to the State written notice of the termination by not later than the date that is 30 days before the date of termination; or

(2) by the State, by providing written notice to the Secretary by not later than the date that is 30 days before the termination date.

Back in 2005, a similar House Resolution included the following brief history of the program.

The Congress finds the following:

(1) On March 16, 1934, the Congress passed and President Roosevelt signed the Act popularly known as the Duck Stamp Act (16 U.S.C. 718a et seq.), which requires all migratory waterfowl hunters 16 years of age or older to buy a Federal migratory bird hunting and conservation stamp annually.

(2) The Federal Duck Stamp program has become one of the most popular and successful conservation programs ever initiated. Because of it, our country again is teeming with migratory waterfowl and other wildlife that benefits from the wetland habitats.

(3) Today, 1.7 million migratory bird hunting and conservation stamps are sold each year. As of 2003, such stamps have generated more than $600,000,000 in revenue that has been used to preserve over 5 million acres of migratory waterfowl habitat in the United States. Many of the more than 540 national wildlife refuges have been paid for all or in part with such revenue.

In 1934, the first "duck stamp" cost $1.00, today a 2011 duck stamp costs $15.00. Most of this money ($25,000,000.00 est. this year) goes to the Department of the Interior, for wetland acquisition for waterfowl sanctuaries. There are other Duck Stamps issued by various groups to raise money for their cause, but the stamp in this law is required for all bird hunters.

I am all for conservation, and the hunters I know are for conservation as well, but what bothers me is that the federal government is telling the states what to do and how to do it. Our Congress is directing each state to do this, and that means that each state (that allows bird hunting) must have people who are dedicated to running this program and seeing that the Federal government gets the money.

Question: If a state didn't participate in the Duck Stamp program what could the federal government do?

Can Not Think of Politics

It is a new year, a special year. It is leap year, yet again. It is the year of the summer Olympics. And there will be an election, in case you didn't know. Do we really need 18 months of politics to elect a dysfunctional federal government?

Quiz

In doing some research on our Constitution for the entry below, I came across an interesting bit of trivia. Well, interesting to me. One of the following three signed the Constitution of the United States of America, which one?

George Washington
Thomas Jefferson
Benjamin Franklin

The answer can be found here.

Government?

I have been thinking about this for some time, and I am not sure I know the answer.

But I believe a lot of politicians don't have an answer either. So, here are some of my thoughts, right off the top of my head, balding as it might be.

What is the purpose of government?
Why do we have so many governments?
Do we really need all these governments, and their continuous law making?

After much consideration, I have decided that government is an extension of the feudal system that evolved in Europe. Government has evolved from the system of kings, lords, knights, priests, bishops and such. We, the common citizen, are surfs of course.

We have a federal government because we had to replace King George with something. We, the 13 colonies, needed to unite for common defense. In creating this replacement, the framers took on a number of other tasks for the federal government; among them being the issuing of money, and the control of interstate commerce.

We the People of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defense, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity, do ordain and establish this Constitution for the United States of America.

This is the preamble to our constitution. The document is four, handwritten, pages long, and lays the foundation for our government, all three branches. Yes the pages are quite large, but still, hand written. It contains just 4,500 words.

Let's compare that to a recent federal law passed by both houses of Congress and signed by our President. Public law 111-148, March 23, 2010. Depending on formating, it contains between 906 and 2197 pages with somewhere between 384,000 and 418,000 words. (I am not sure how you count all those numbers in this law.)

The title of this Federal Law is "The Patient Protection and Affordable Care Act." The Table of Contents for this law runs 12 pages; thats three times longer than the Constitution!

Did any legislator read the whole thing? How many people are employed, full-time, to interpret what it says? Do you know what it says? How many people will be employed to enforce it? Do you know what it is going to do to your life? Why does it take 4 years to go into full effect? The Constitution went into effect as soon as 8 states ratified it. Maybe four years is how long Congress thought it would take us to take cover, or maybe it had to do with elections in 2012. Perhaps it is the amount of time needed to set up a new federal bureaucracy to manage it, and budget for the operations an maintenance of that bureaucracy.

Well, one thing I know is that over all, given the time to prepare, Medical insurance costs are going up, and benefits are going down. I have just recently been informed that Walgreen's Drug Stores will not be accepting my Drug Prescription Plan starting next year. Do you remember what happened when Congress passed a law to "protect" us from those unscrupulous credit card companies?