do we have an obligation as a country to say that certain levels of interest rates aren con shunable, illegal, unacceptable? i put in a bill to put the rate at 36%. i thought that was so high that we would be just fine. if you wanted to start a snake farm, you should put in a bill and watch what crawls under the door. the folks that came in from title loans and payday loans could sit and say to me with a straight face, senator, you're going to put us out of business. 36% puts you out of business? yes. i ask them how much do you charge for the loans? oh, somewhere between 58% and 800%. people used to go to prison, they called it juice in the old days when people were engaged in that sort of thing in the back alleys, now it is acceptable, legal in this country. is there -- should there be a consideration about limiting interest rates charged for certain products in america? >> senator, i believe that we have to have a much stronger such of protections for consumers, particularly in the area of financial products that involve debt and credit. those where the failures were most stark. it