So instead of competing to offer confusing products, companies will compete the old-fashioned way, by offering better products. And that will mean more choices for consumers, more opportunities for businesses, and more stability in our financial system. And unless your business model depends on bilking people, there is little to fear from these new rules.

BARACK OBAMA, speech, Apr. 22, 2010

“Fortunately, these rules don’t apply to government agencies (whose business IS bilking people), so, again – no fear.”