Of course, in the states, about half the states elect their judges, and that's an even more direct involvement with politics. But I think it's not the same as the elections of many other candidates. People who run for the judiciary, I think are pretty careful to indicate that they will adhere to the rule of law.

I think the problem is, if we foreclose any public justice, then we cut off the virtuous cycle that's represented by law, where there are public decisions which then deter misconduct in the future. We need to have both. We need to have private dispute sy-, systems, and we need to have public dispute systems.

Deal with just the basic fact: we will never have enough money for lawyers for poor people. So one of our major initiatives has been to develop new technologies that can help people without a lawyer navigate the legal system, and help sort the cases that really need to have a lawyer from those where an individual with some help online, may be able to manage by him or herself.

Whether low-income people are dealing with access to veteran's benefits, or a protective order to guard against domestic violence, or a way to guard against the loss of their home due to foreclosure and unscrupulous behavior by mortgage providers, there's no way they can afford a lawyer. And that's a serious problem. Because that erodes respect for law, it erodes the prospects for justice.

The United States Constitution builds politics right into the process of selecting federal judges. This third branch, the judiciary, is designed to have a longer view. To have individuals who are more insulated from politics. They're not elected directly. They're appointed for life. So, politics enters, but it's also, controlled. And if you bypass this process, I'm not sure what we do.

Let's put it in perspective at the United States Supreme Court, which hears maybe 60 cases a year, most of the cases are resolved without much dispute. The 10 or 15 that are controversial we all know about, and we hear about. The federal courts hear just a tiny sliver of the cases that go to court in this country. Most of the cases are in the state courts. And most legal issues never go to court. So, the legal system is actually not in jeopardy. At the same time, access to law is in jeopardy.

I think that we see some cities that have developed living wage ordinances. I think that we see some efforts to actually put real restrictions on unscrupulous behavior by creditors. I think that the Consumer Finance Agency is a reflection of a political reaction to the abuses behind the financial disaster. I hope the system will continue to react.