simone in roanoke rapids, hello. we will go to jerry in texas, good morning.aller: ok, just changing the name makes a big difference. organized crime is now big business. credit card interest used to be called loansharking. host: jerry, go ahead. let's try simone again from north carolina, hello. all right. this is gary in kentucky, hello. caller: hello. credit is based on your ability to pay it back and when you sign in for credit card, you get a service agreement. you know the deal going in. you know the high charges that could be entailed on your bill, so on the part of the consumer, somebody standing in for these people, it is part of their responsibility. if you make a late payment on your house, they foreclose on you. this is just part of consumer, i don't know, overreach. host: that's gary in kentucky. guest: thank you for your comment. what we have seen is credit card companies are charging us five times more than it actually costs them to collect on these late payments. again, we are not saying late payments should be totally eliminated. we are saying

host: our next caller is tommy in roanoke rapids, north carolina. caller: thank you, sir. a question for dr. gerald. i'm an old chemical salesman from eastern north carolina. and i've sold a lot of the, i guess, ingredients back in the early 1980's. and i wanted him, my question was for gerald to expand a little bit on the eth lean glie kol and the either. it's my understanding that that would affect waterways. i know one of those is heavier than water and it tends to go down. and i'm just curious of what he has to say on those two or whether it's one, the ethelyn glycol or the ether. guest: thank you for that question and i'm glad you're still thinking on behalf of all of us, using your expertise to say, what about these particular challenging chemicals? unfortunately where we are in east palestine is an uncontrolled experiment. the experiment is, you know, 20 rail cars of toxic, hazardous chemicals, being derailed and broached in terms of a big fire from many of them. we don't know the flow of each of the ones that you mentioned into the air. but we also don't know the f

simone in roanoke rapids, hello. we will go to jerry in texas, good morning.r: ok, just changing the name makes a big difference. organized crime is now big business. credit card interest used to be called loansharking. host: jerry, go ahead. let's try simone again from north carolina, hello. all right. this is gary in kentucky, hello. caller: hello. credit is based on your ability to pay it back and when you sign in for credit card, you get a service agreement. you know the deal going in. you know the high charges that could be entailed on your bill, so on the part of the consumer, somebody standing in for these people, it is part of their responsibility. if you make a late payment on your house, they foreclose on you. this is just part of consumer, i don't know, overreach. host: that's gary in kentucky. guest: thank you for your comment. what we have seen is credit card companies are charging us five times more than it actually costs them to collect on these late payments. again, we are not saying late payments should be totally eliminated. we are saying tha