var json_comments = new Array("<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-15769310\">    <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=66824\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-66824-100x100.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=66824\">Mr_Human</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15769310\"><abbr class=\"published\" title=\"2009-10-02T19:35:02-05:00\">October  2, 2009  7:35 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15769310);\">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=15769310');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>It sounds nice, but will it work in practice? No one saved anyone from Madoff when the fraud was staring regulators in the face, and predatory loan officers will always exist. To survive intact, consumers will always need to be vigilant.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15769310, 'Mr_Human')\">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-15771418\">    <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=365597\"><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=365597\">u1itn0w2day</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15771418\"><abbr class=\"published\" title=\"2009-10-02T20:43:24-05:00\">October  2, 2009  8:43 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15771418);\">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=15771418');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"#c15769310\" rel=\"nofollow\">Mr_Human</a>: That's the whole problem with an all encompassing agency .</p><br /><p>What's worse the financial people will find loopholes that will ensnare the most prudent/savy consumer just like the grandma getting tagged for buying 2 packs of sudafed in one week . As good intentioned it may be I still think it might be better to give the existing agencies more power or better yet just make sure they are vigorously doing their job .</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15771418, 'u1itn0w2day')\">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-15769653\">    <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=887707\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-887707-100x100.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=887707\">Skaperen</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15769653\"><abbr class=\"published\" title=\"2009-10-02T19:46:03-05:00\">October  2, 2009  7:46 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15769653);\">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=15769653');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>What we really need is a \"public option\" bank.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15769653, 'Skaperen')\">Reply</a></div>		<!-- if it's a top level category ' -->											<div class=\"num-replies\">5 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-15774209\">    <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=307161\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-307161-100x100.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=307161\">Coles_Law</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15774209\"><abbr class=\"published\" title=\"2009-10-02T22:39:12-05:00\">October  2, 2009 10:39 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15774209);\">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=15774209');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"#c15769653\" rel=\"nofollow\">Skaperen</a>: Well, banks are backed by the FDIC, so *every* bank can be a public option bank of sorts.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15774209, 'Coles_Law')\">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-15770208\">    <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=282061\"><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=282061\">cabjf</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15770208\"><abbr class=\"published\" title=\"2009-10-02T20:03:06-05:00\">October  2, 2009  8:03 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15770208);\">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=15770208');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15769653\" rel=\"nofollow\">Skaperen</a>: Because people already trust the government so much with their money when they pay their taxes.  What people need to do is evaluate who they're giving their money to and not chase random offers, promotions, or name recognition.  Besides, if we already have organizations like credit unions, which are basically co-ops for money, why would a government run version be any better?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15770208, 'cabjf')\">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\" id=\"comment-15772180\">    <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=887707\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-887707-100x100.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=887707\">Skaperen</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15772180\"><abbr class=\"published\" title=\"2009-10-02T21:12:10-05:00\">October  2, 2009  9:12 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15772180);\">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=15772180');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15770208\" rel=\"nofollow\">cabjf</a>: I don't trust the government.  I just trust corporations even less.  What I want to see is accountability and responsibility.  Some genuine competition would help bring some of that.  Credit unions might help, but they are not readily available for everyone.  Maybe instead of the government bank, they can change the rules in ways that make credit unions work better overall.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15772180, 'Skaperen')\">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-15770545\">    <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=350350\"><img        src=\"/mt-static/support/assets_c/userpics/userpic-350350-100x100.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=350350\">dragonfire81</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15770545\"><abbr class=\"published\" title=\"2009-10-02T20:14:29-05:00\">October  2, 2009  8:14 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15770545);\">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=15770545');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15770208\" rel=\"nofollow\">cabjf</a>: Is there some unwritten rule on consumerist now that EVERY post must have a healthcare related comment on it?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15770545, 'dragonfire81')\">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-15771329\">    <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=436259\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-436259-100x100.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=436259\">MostlyHarmless</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15771329\"><abbr class=\"published\" title=\"2009-10-02T20:40:37-05:00\">October  2, 2009  8:40 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15771329);\">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=15771329');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15770545\" rel=\"nofollow\">dragonfire81</a>: No. But it probably is a well documented rule on Red Sites / Rand Sites.</p><p>Though I am not sure cabjf was going for the healthcare angle.</p><p>And rather oddly, I do agree with him on the point that we already do have credit unions.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15771329, 'MostlyHarmless')\">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>     <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-15769709\">    <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=363287\"><img        src=\"/mt-static/support/assets_c/userpics/userpic-363287-100x100.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=363287\">legwork</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15769709\"><abbr class=\"published\" title=\"2009-10-02T19:48:02-05:00\">October  2, 2009  7:48 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15769709);\">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=15769709');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15769653\" rel=\"nofollow\">Skaperen</a>: I would be all over that one.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15769709, 'legwork')\">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-15770167\">    <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=255368\"><img        src=\"/mt-static/support/assets_c/userpics/userpic-255368-100x100.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=255368\">SacraBos</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15770167\"><abbr class=\"published\" title=\"2009-10-02T20:01:49-05:00\">October  2, 2009  8:01 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15770167);\">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=15770167');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Really, do we need yet another government agency/bureaucracy full of tax-payer funded  pencil pushers in order to do the things that the FTC, FBI, FDIC, Treasury Department, Secret Service and SEC ought to be doing already?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15770167, 'SacraBos')\">Reply</a></div>		<!-- if it's a top level category ' -->									<div class=\"num-replies\">3 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-15778391\">    <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=1226904\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-1226904-100x100.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=1226904\">Dondegroovily</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15778391\"><abbr class=\"published\" title=\"2009-10-03T03:22:02-05:00\">October  3, 2009  3:22 AM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15778391);\">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=15778391');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15770167\" rel=\"nofollow\">SacraBos</a>: How about abolishing some of those other ones and having this new one instead?</p><p>Where I live they created a new transportation advisory board for the city council and people yelled about new bureaucracies, forgetting that they disbanded the parking advisory board at the same time.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15778391, 'Dondegroovily')\">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-15772255\">    <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=887707\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-887707-100x100.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=887707\">Skaperen</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15772255\"><abbr class=\"published\" title=\"2009-10-02T21:15:13-05:00\">October  2, 2009  9:15 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15772255);\">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=15772255');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15770167\" rel=\"nofollow\">SacraBos</a>: This would be a rulemaking agency that is not distracted by other work that also needs to be done.  The FTC really ought to have been doing it.  But they have so many things on their plate and are too big as it is.  More smaller agencies can focus better, if their roles are well defined.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15772255, 'Skaperen')\">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-15770928\">    <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=1340998\"><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=1340998\">Evil Otto - sleep deprived ftl</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15770928\"><abbr class=\"published\" title=\"2009-10-02T20:28:00-05:00\">October  2, 2009  8:28 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15770928);\">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=15770928');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c15770167\" rel=\"nofollow\">SacraBos</a>: This implies that these agencies all talk to each other.  They don't.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15770928, 'Evil Otto - sleep deprived ftl')\">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 last\" id=\"comment-15779688\">    <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=636090\"><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=636090\">MooseOfReason</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/10/consumer-and-banking-scholars-speak-out-in-favor-of-consumer-financial-protection-agency.html#comment-15779688\"><abbr class=\"published\" title=\"2009-10-03T05:03:50-05:00\">October  3, 2009  5:03 AM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(15779688);\">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=15779688');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>So, you're saying this wasn't caused by artificially low interest rates, the implicit government backing of Fannie Mae, the Greenspan Put, and federal legislation encouraging investment in housing?</p><p>We don't need the CFPA.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(15779688, 'MooseOfReason')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>");