joining us to discuss this on skype out of atlanta is roy barnes. former governor of georgia and an attorney, who now represents military service members being targeted with predatory loans. from austin texas, senior policy analyst that's a public interest law center that advocates for victims of predatory loans. thank you for being here, governor, you have tries numerous high profile cases, class action lawsuits you represent soldier whose have been victimized, give us some examples of what some of your clients are facing. >> what we are litigating right now is the charge on what are called title pawns or motor vehicle loans. and the interest rates are 300% in many cases. they say well, we will give you a discount, a military discount, and that's 150%. instead of the 300%. and military folks are particularly targeted because they have a regular check that's coming in, the lender knows where they are located, and on many occasion the commanding officers will assist in the collection of the money, because they don't want to have military personnel th