Richard Durbin actually said...

we recently enacted or passed in the Senate an historic credit card reform bill, which I commend my colleague, Senator Dodd

Two weeks ago, I got the best e-mail that I could possibly imagine. It was from the IRS! And they told me that I had a refund coming.

I sense that this was the catalyst that led us into this recession.

I have asked this question of your predecessor; in perhaps a little different form, and still remain skeptical that the voluntary approach t...