Well yes, I don't blame the financial reform, rather that financial reform is motivating the banks to find sneakier ways of bleeding people dry. And sneaky usually means aimed at people who have a harder time fighting back, the old, infirm, marginalized, etc. If the Bosnian mommy didn't have the two of us, I don't know how she would deal with this kind of thing. She probably wouldn't and Chase would be $10 richer every month for their tactics.