chad…I heard your report on the bank finance charges today. I agree that they should be controlled, however, there is a bigger story about banks that most people are not aware of. All banks, with the Fed in charge, uses what is called the ” fractional reserve banking”. When a bank gets a deposit of say, $10,000, they can then, loan out, from $100,000, to sometimes up to $500,000. Sounds criminal doesn’t it? Check it out. Its true.