Some things in the bill:
Can't change interest rates arbitarily
Introductory rates have to last for 6 months
Have to give 45 days notice before rasing rates
Can carry weapons in natinal parks
Bill must show how long it will take to pay off of you pay only minumum
Terms must be clear
Wait...anyone see something out of place?
Laws and sausages...
LINK
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If there are lawyers or politicians involved, logic may be a very poor tool for reaching a conclusion.