Richard Durbin actually said...

I find it hard to believe that encryption is the threshold, and how in the world would the average person know that or be able to protect th...

So what are you waiting for? The percentage of total cramming complaints has almost doubled in 3 years on wireless.

So what about the argument that somehow you are forcing disclosure of sensitive pricing data that otherwise would not be disclosed?

So I would say that is somewhere short of a tap on the wrist.