i would think maybe 20% four usury.t used to be illegal to charge over certain small amount and know anything goes. they just let people charge whatever they want to. host: talk a little about your impressions of how the administration has handled policy toward banks? caller: i feel quite certain they needed to go in and bail out the banks, that we would have had a serious crash if they had not. i do not care whether the opposition party might have to say. it was really something that needed to be done and i'm happy they did it. it would have been highly irresponsible if they had not, however, i heard another man on c-span, a nobel-prize winning economist said that barack obama administration is overly concerned about being perceived as too much concerned about looking like they are socialists or nationalizing the banks. his point was -- host: how would you assign a letter grade? caller: c as in charles, they needed to do it, but should have gotten a better deal for americans. host: two calls it back-to-back for talking