var json_comments = new Array("<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16323209\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=1418091\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-1418091-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=1418091\">DirectMailFan</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16323209\"><abbr class=\"published\" title=\"2009-10-28T14:28:24-05:00\">October 28, 2009  2:28 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16323209);\">Moderate</a> |</span>	<script type=\"text/javascript\" src=\"http://consumerist.com/mt-static/plugins/Moderate/moderate.js\"></script>	<script type=\"text/javascript\">		successMsg = \"\";	</script><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16323209');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>Surprise, surprise, surprise.</p><br /><p>But I'm sure they'll get it all together come Dec. 1. After all, their execs would face some heavy fines and/or jail time if they didn't ... right?</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16323209, 'DirectMailFan')\">Reply</a></div>		<!-- if it's a top level category ' -->							<div class=\"num-replies\">1 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-16332651\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=226755\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-226755-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=226755\">Sheogorath</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16332651\"><abbr class=\"published\" title=\"2009-10-28T18:54:46-05:00\">October 28, 2009  6:54 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16332651);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16332651');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c16323209\" rel=\"nofollow\">DirectMailFan</a>: <br />More likely a harshly worded letter.  If that.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16332651, 'Sheogorath')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16323700\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=98911\"><img        src=\"/mt-static/support/assets_c/userpics/userpic-98911-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=98911\">FatLynn</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16323700\"><abbr class=\"published\" title=\"2009-10-28T14:44:08-05:00\">October 28, 2009  2:44 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16323700);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16323700');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Is it really the CC's job to educate borrowers on the dangers of minimum payments?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16323700, 'FatLynn')\">Reply</a></div>		<!-- if it's a top level category ' -->										<div class=\"num-replies\">4 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment\" id=\"comment-16327358\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=1259212\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-1259212-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=1259212\">AndroidHumanoid</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16327358\"><abbr class=\"published\" title=\"2009-10-28T16:29:49-05:00\">October 28, 2009  4:29 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16327358);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16327358');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"#c16323700\" rel=\"nofollow\">FatLynn</a>: Just about as much as a drug dealer has to educate you on the dangers of meth!</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16327358, 'AndroidHumanoid')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment\" id=\"comment-16325726\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=83385\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-83385-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=83385\">sleze69</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16325726\"><abbr class=\"published\" title=\"2009-10-28T15:46:14-05:00\">October 28, 2009  3:46 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16325726);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16325726');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"http://consumerist.com/5391494/billshrink-says-credit-card-companies-are-far-from-reformed#c16323700\" rel=\"nofollow\">FatLynn</a>: From a personal finance aspect, no - each person should be responsible for their own actions and finances. From a legal aspect, no - until Dec 1, when it the answer changes to YES.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16325726, 'sleze69')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-16323828\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=6173\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-6173-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=6173\">Eyebrows McGee (now with more baby!)</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16323828\"><abbr class=\"published\" title=\"2009-10-28T14:47:31-05:00\">October 28, 2009  2:47 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16323828);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16323828');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c16323700\" rel=\"nofollow\">FatLynn</a>: I assume this is a rhetorical question, since the article states that they must now do this to comply with the law. So the real question is, \"Are they complying with the law that's about to come into force?\"</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16323828, 'Eyebrows McGee (now with more baby!)')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-16325856\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=98911\"><img        src=\"/mt-static/support/assets_c/userpics/userpic-98911-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=98911\">FatLynn</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16325856\"><abbr class=\"published\" title=\"2009-10-28T15:49:48-05:00\">October 28, 2009  3:49 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16325856);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16325856');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c16323828\" rel=\"nofollow\">Eyebrows McGee (now with more baby!)</a>: Oh, my mistake.  You are correct.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16325856, 'FatLynn')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>     <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16324303\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Blueskylaw    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16324303\"><abbr class=\"published\" title=\"2009-10-28T15:03:55-05:00\">October 28, 2009  3:03 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16324303);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16324303');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>All changes benefitting consumers will occur <br />December 1, 2009, as per the spirit of the law.</p><br /><p>Until then, you can go pound sand.</p><br /><p>Sincerely,<br />Your Credit Card Company</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16324303, 'Blueskylaw')\">Reply</a></div>		<!-- if it's a top level category ' -->								<div class=\"num-replies\">2 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment\" id=\"comment-16327130\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"n/a\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a title=\"n/a\" href=\"n/a\" rel=\"nofollow\">Mr_D</a>    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16327130\"><abbr class=\"published\" title=\"2009-10-28T16:23:42-05:00\">October 28, 2009  4:23 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16327130);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16327130');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"#c16324303\" rel=\"nofollow\">Blueskylaw</a>: I really doubt credit card companies want anything to do with the \"spirit\" of the law. They'll comply to the letter and nothing else.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16327130, 'Mr_D')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-16325409\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=143777\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-143777-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=143777\">SybilDisobedience</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16325409\"><abbr class=\"published\" title=\"2009-10-28T15:36:42-05:00\">October 28, 2009  3:36 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16325409);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16325409');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"#c16324303\" rel=\"nofollow\">Blueskylaw</a>: <br />P.S. Our dedicated team is busy looking for legal loopholes, and if that fails, we'll be taking your state representatives out to lavish dinners and slipping them perks to make sure this \"reform\" is as neutered as well-meaning laws always are.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16325409, 'SybilDisobedience')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","","","","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16328401\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=767887\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=767887\">PLATTWORX</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16328401\"><abbr class=\"published\" title=\"2009-10-28T16:58:05-05:00\">October 28, 2009  4:58 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16328401);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16328401');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>I am unsure why Billshink is expecting credit card companies to be complying NOW with a law going into effect December 1.</p><br /><p>After December 1, then perhaps this \"research\" would have merit.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16328401, 'PLATTWORX')\">Reply</a></div>		<!-- if it's a top level category ' -->								<div class=\"num-replies\">2 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment\" id=\"comment-16329046\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=483565\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-483565-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=483565\">floraposte</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16329046\"><abbr class=\"published\" title=\"2009-10-28T17:16:00-05:00\">October 28, 2009  5:16 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16329046);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16329046');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c16328401\" rel=\"nofollow\">PLATTWORX</a>: It's interesting because they <i>have</i> changed to compliance on so many aspects of the act already.  Therefore it's enlightening to see what they're waiting until the last minute on.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16329046, 'floraposte')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-16328479\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=936906\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=936906\">NeverLetMeDown</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16328479\"><abbr class=\"published\" title=\"2009-10-28T17:00:12-05:00\">October 28, 2009  5:00 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16328479);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16328479');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"http://consumerist.com/5391494/billshrink-says-credit-card-companies-are-far-from-reformed#c16328401\" rel=\"nofollow\">PLATTWORX</a>:</p><br /><p>Agreed - by the same token, how many people are voluntarily paying extra taxes now because they think rates may rise in the future?</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16328479, 'NeverLetMeDown')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16330305\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=451887\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=451887\">H3ion</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16330305\"><abbr class=\"published\" title=\"2009-10-28T17:50:55-05:00\">October 28, 2009  5:50 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16330305);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16330305');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Of course the credit card companies are slipping in every trick they can between now and December 1 including trimming the rolls of customers they don't want (probably only for profitability reasons) and jacking up rates.  I can't say I shed many tears for the credit card companies.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16330305, 'H3ion')\">Reply</a></div>		<!-- if it's a top level category ' -->								<div class=\"num-replies\">2 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-16335518\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">joepa1    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16335518\"><abbr class=\"published\" title=\"2009-10-28T20:06:52-05:00\">October 28, 2009  8:06 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16335518);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16335518');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"http://consumerist.com/5391494/billshrink-says-credit-card-companies-are-far-from-reformed#c16330305\" rel=\"nofollow\">H3ion</a>: How about for the folks whose rates were jacked up, lines were lowered or closed, rewards were reduced and min pay increased? And for all those that don't carry a balance BA is looking to apply an annual fee. Personally I was fine before the law was changed to help me.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16335518, 'joepa1')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-16336141\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=463192\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=463192\">oneandone</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16336141\"><abbr class=\"published\" title=\"2009-10-28T20:23:36-05:00\">October 28, 2009  8:23 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16336141);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16336141');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"http://consumerist.com/5391494/billshrink-says-credit-card-companies-are-far-from-reformed#c16335518\" rel=\"nofollow\">joepa1</a>: I'm sorry we disturbed you. I prefer that the benefits I get from having a credit card not be the result of many other people being screwed really unfairly.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16336141, 'oneandone')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>     <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16333334\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=502450\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=502450\">AllanG54</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16333334\"><abbr class=\"published\" title=\"2009-10-28T19:12:20-05:00\">October 28, 2009  7:12 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16333334);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16333334');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>And I can't understand that in this day and age people don't know not to get into debt they can't afford. I can see if it's something sudden but piling up debt for years until it runs into thousands of dollars is just stupid and as Gump says...\"stupid is as stupid does.\"</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16333334, 'AllanG54')\">Reply</a></div>		<!-- if it's a top level category ' -->								<div class=\"num-replies\">2 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment\" id=\"comment-16342839\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=1029606\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-1029606-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=1029606\">RogerTheAlien</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16342839\"><abbr class=\"published\" title=\"2009-10-29T00:27:48-05:00\">October 29, 2009 12:27 AM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16342839);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16342839');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c16333334\" rel=\"nofollow\">AllanG54</a>: As a person who, at one time, had $20K in CC debt (now debt-free, aside from my mortgage), I blame people individually, yes. But also, we've gone away from things that seem antiquated now, but perhaps were actually quite helpful. I'm thinking things like Home Economics class. It taught budgeting, how to make food at home, how to shop around for good deals. All kinds of stuff that we think of as being somehow an anachronistic, but I don't think people had so much debt back in the 50s. But, I could be wrong since I wasn't alive back then.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16342839, 'RogerTheAlien')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-16335282\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=281834\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=281834\">Coelacanth</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16335282\"><abbr class=\"published\" title=\"2009-10-28T20:00:34-05:00\">October 28, 2009  8:00 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16335282);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16335282');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"http://consumerist.com/5391494/billshrink-says-credit-card-companies-are-far-from-reformed#c16333334\" rel=\"nofollow\">AllanG54</a>: As it's been mentioned time and time again, sometimes incurring debt isn't voluntary. Lots of people encounter long stretches of unemployement, expensive medical bills, and higher education.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16335282, 'Coelacanth')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","","","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16345827\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=542520\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-542520-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=542520\">Telekinesis123</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16345827\"><abbr class=\"published\" title=\"2009-10-29T02:54:28-05:00\">October 29, 2009  2:54 AM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16345827);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16345827');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>This just goes to show that a credit card companies will do the absolute minimum required of it by law irregardless of what its propagandist image it tries to create for itself through its commercials.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16345827, 'Telekinesis123')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-16352224\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=488475\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-488475-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=488475\">HogwartsAlum</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16352224\"><abbr class=\"published\" title=\"2009-10-29T14:06:34-05:00\">October 29, 2009  2:06 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16352224);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16352224');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I thought this went into effect in July. I'm confused.</p><p>I need to get a credit card for emergencies.  Should I wait until then to start shopping around?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16352224, 'HogwartsAlum')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment last\" id=\"comment-16450632\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=306594\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-306594-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=306594\">HurfDurf</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/billshrink-says-credit-card-companies-are-far-from-reformed.html#comment-16450632\"><abbr class=\"published\" title=\"2009-11-13T16:34:24-05:00\">November 13, 2009  4:34 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(16450632);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=16450632');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>My best and most used (and dutifully paid) card is changing my 8.99 % fixed interest rate to a variable rate somewhere around 14-17% 3 days before these rules go in to effect.<br />I assume they are doing this to me because I pay 8 times the minimum due, I pay the moment I get an email that my balance is due, and I continued to pay this way through 8 months of unemployment. Obviously, I'm the asshole that deserves this treatment.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(16450632, 'HurfDurf')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>");