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All of this nonsense about uncertainty causing 10% unemployment and firm's hoarding trillions in reserve because of government uncertainty is utter nonsense. They're holding cash because they've got excess capacity as it is because there isn't any demand for goods, which, as a tech entrepreneur, I can tell you is a bigger deal to my margins than some voodoo uncertainty caused by government.

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The bill gives the Fed authority to limit interchange or “swipe” fees that merchants pay for each debit-card transaction, although these fees had not the slightest connection to the financial crisis. Such price controls are in general undesirable, and hardly seem to require the attention of the Federal Reserve. The bill also gives the SEC authority to empower stockholders to run their own candidates for corporate boards of directors. Corporate boards often receive some blame for the crisis-mainly unjustified in my opinion- but stockholder election of some members will not improve corporate governance, and will probably make that worse.

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Thanks for the cool badgees! When do we find out who the Petties nominees are???


It's funny to look at what we decide to ban and what we consider basic freedoms.


This was excellent! Although it was ten years later and I had the M16, I was there with you pal, and just as scared!


Thanks for your comment. I liked my first one. It brought back the pain of finding out how unfair life and education can be.


The writing here was exquisite, with great flow and a compelling tale. I relaxed at your epiphany when you figured out that the danger was being exaggerated.


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Hopefully online marketing jobs don't dry up in the wake of this ongoing economic collapse. The Dow dropped, what, 512 points today?! It's starting to feel like 2008 all over again. Ever wonder what's really going on? I think I know.

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No matter how many times I read it, it never gets old. You definitely hit the nail on the head on this one. This is something people need to know about.


Dr. Becker and Judge Posner hit the mark in pinpointing the major defects of the financial reform bill. Hoping this bill was revised and benefits more Americans in need than those who have the luxuries in life.

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This financial reform bill should benefit more to those who are in need of low interest loans and business loan grants than those companies on the verge of bailout.

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