i want to talk about a book written by chuck cooper. he actually hesitate. he knows all about it. a brilliant supreme court advocate. the reagan justice department. go back many years. what is operation choke point. >> this is a very disturbing program in the federal government, but one that exemplified a lot of the problems that are rising in other places. this is an area where the federal government is trying to prevent access to banking by disfavored businesses, businesses that are perfectly legal, and he talks about this, but he focuses on payday lenders. people who will -- companies, small businesses who will give people in advance loan before the paycheck. >> i want to talk about payday lenders, but i want the viewers to know the list of these bailout organizations. they haven't listed right here. as to the messaging on this issue, the fdic then published a list of high-risk industries in which this -- disreputable merchants are to be found. mission sales, lottery sales , coin dealers. ii represented a bunch of coin dealers before the irs. it was a regulatory issue. a nice s