And that it affects largely people of color disproportionately, who have their convictions and then need the scholarships and don't get them. And what does that do? Put them in a spiral of failure. That needs to stop.

If you are a kid on the street smoking marijuana and you happen to be a user, you should be dealt with a lot differently than someone who is out there selling large amounts of marijuana.

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.

This is not treating the American consumer in a way that is fair and equitable, and I would submit that it is time... take a good hard look at the bankruptcy law and reform the Reform Act of 2005.

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.

There are some real problems with credit cards.

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