I just read about the new limit that was put into effect on Oct. 1 of the year that caps off intrest rates for emergency loans. I think it is a good thing to cap off the loans, the only problem with it is that it address only loans, not lines of credit. So there are companys out there that on Oct. 1 changed their procedures so that they now loan money as a line of credit, instead of a loan. Thus allowing them to charge more money and extend out payment periods, which of course add intrest to the already outragous payment that are being made to these companies. So in essance, by creating a law to help military that caps intrest rates in one field but not another, the servicemembers are actually spending more money to repay the same loans. I think that is horrible. It blows that they didn't think that something like this might happen when they inacted the law and put up a contengancy.