On Saturday, I joined a passionate group of teachers who are opposed to budget cuts for schools and students. Our schools need money! We can't keep closing schools and firing teachers and think we are going to get smart kids. My idea is to cap credit card rates at 20% and have 25% of the fees go local schools. Banks helped get us into this mess, they can help us get out. And they would still make 15% profit on the almost free money from the FED.