the proposed regulation that neils lesniewski was discussing.owill force payday lenders look into barber's finances to make sure they can repay and afford loans before they take it out. there would be some exceptions for loans that are less than $500. rolling loansf over into new loans would be curtailed. we are talking about them and your experiences with data loans. carlton waiting in dallas texas. caller: how are you today? i wanted to speak out a little bit. in the affirmative for payday loans. they provide a service for people who are in financial need . a lot of times these are people otherwise they could be on the street without access to this money, because they were not have little access to credit cards. they have bills to pay, perhaps they have a car or medically experiences -- medically experiences -- medicals expenses. they could've incurred new expenses. this is the only alternative they have with the alternative being a poncho. thatey need that are want they should be up to get that payday loan. host: you're not on the one that fe