chris dodd, we enacted comprehensive wall street reform last summer. now the senate is still under the control of a difference senate banking chairman, mr. johnson, but the house has switched parties and the people currently in charge in the house, mr. baucus from alabama, his subcommittee chair is from west virginia, and many others are trying to weaken many of the protections that were put in place to make sure that what happened because of wall street never happens again. the people have changed, but the deregulation is clearly under george bush. host: austin, texas, on the independent line. caller: and that a particular problem for over 35 years. it concerns student loans. student loans in the united states has more deficit than credit cards, which is why understanding. it a person gets a student loan, for $2,500, then the banks are holding at laurell go into bankruptcy -- space that are holding my loan go into bankruptcy, they report to the department of the treasury. they do not do anything. for 25 years, i have no comments, no messages, no dating from the department treasury, then the next thing i know, i get hit with a $25,000 loan on $2