The financial services industry has seemed to treat the crisis like a little rainfall - inconvenient, but no significant changes needed. The real question moving forward is how the industry will respond to Wall Street reform and growing public anger.

I don't like credit cards. They make overspending very easy. They can make life a lot more complex and stressful.

Look around. Oil companies guzzle down the billions in profits. Billionaires pay a lower tax rate than their secretaries, and Wall Street CEOs, the same ones the direct our economy and destroyed millions of jobs still strut around Congress, no shame, demanding favors, and acting like we should thank them. Does anyone here have a problem with that?

You built a factory out there, good for you. But I want to be clear. You moved your goods to market on the roads that the rest of us paid for. You hired workers that the rest of us paid to educate. You were safe in your factory because of police forces and fire forces that the rest of us paid for.

I have a daughter and I have granddaughters and I will never vote to let a group of backward-looking ideologues cut women's access to birth control. We have lived in that world, and we are not going back, not ever

Nobody's safe. Health insurance? That didn't protect 1 million Americans who were financially ruined by illness or medical bills last year.

I hear all this, you know, 'Well, this is class warfare, this is whatever.' No. There is nobody in this country who got rich on his own - nobody.