A lot of people have been arrested for marijuana and have a record that make it difficult for them to get jobs later on in life.

The gateway theory doesn't work. It is a reality. Obviously, we are not going to agree there.

Arbitration was intended to improve access to justice, and we should work to keep it that way.

There are some real problems with credit cards.

But to wait 18 months to stop the illegal activity is astonishing, and it is just not acceptable.

They are forced into chapter 13 repayment.

Does any one of the panelists agree with my basic theory, that 18 months waiting to implement these regulations is beyond what is necessary for computer--I have got to think Bill Gates could have done quicker than this.

The industry would change its ways.

We should impose a usury sealing of 36 percent on consumer loans.

Mr. Delahunt has recently introduced a very important piece of legislation.

We have asked General Motors and the other car companies to change their entire business models in 60 days, why did the credit card companies need 18 months?