"The bankruptcy bill had nothing to do with "personal responsibility" or any of the other shibboleths of modern conservatism. It's just a pure corporate payoff. Credit card companies know full well the risks of issuing cards to different kinds of people, and they know almost to the penny the risk/reward ratio of issuing cards to their worst credit risks, including those who have just filed for bankruptcy. This bill was intended solely to change that risk/reward ratio a little further in favor of the banking industry. The result: $100 million worth of lobbying is turned into $1 billion per year of extra revenue, all on the backs of consumers who the credit industry's own computer models tell them are the most likely to be ruined by it. It's disgusting. Here is the link to the Political Animal, Washington Monthly's online article. The message is ready to be sent with the following file or link attachments: Shortcut to: http://bkinformation.com/Test/SubNFRD.cfm?SAID=131472 Mike