to talk about all that than what should be used here. Moreover, I got really stuck on one of the basic premises of this site: That we're about supporting and electing Democrats. There was no way to write about this law without violating that rule.

As for statistics, it's too early. There's one study on the futility of credit counseling done by the National Association of Consumer Bankruptcy Attorneys (look for the links in the left hand column). Besides that, we have anecdotes for now.

One last thing, I have no idea about Harry Reid. He wasn't a major player during most of this bill's history, so he was just a vote. Daschle, on the other hand, supported it.