United States of Mastercard!

.....Ya know how, out of the blue, with about two days' notice, credit card companies can up your APR for no reason?

....Well, now, last month Congress passed legislation that will keep them from doing that. But, uh, the law won't take effect for a couple of years. What the f#ck? If credit-card companies can make major changes in your life in 1/100th of the time that Congress can, maybe the credit-card companies should run the country!

....Oh, wait. They already do.