even shailesh metha gets them. open this one for me and tell me what you think. that's from bank of america. and on the back it says 0% intro apr. >> yes, but there is an asterisk or whatever that mark, so i have to now read that footnote. i will have to remove my glasses to read it. it says, "for this, see disclosure summary insert for details." now i have to find a disclosure summary, which is the one here. so, on the outside, it says 0% intro apr; in here, it says that my apr is 11.9%, 15.9%, or 19.9%, right, and "the apr you receive is determined based on your credit worthiness," so i have no idea which one i am going to get when they approve me. >> bergman: so, disclosure, you say, doesn't work? >> i mean, look at how much time it takes for both of us to go through this. >> bergman: yeah, exactly. >> i think that your average consumer is not going to be able to translate what the real pricing is. >> bergman: now, you put out statements like this from providian. >> we did. we did, absolutely. >> bergman: well, the criticism is that it's exploiting the custome