I am not a lawyer or a licensed financial advisor. This film is for ENTERTAINMENT PURPOSES ONLY and is not to be construed as legal advice. The average bank CEO earned 436 times the salary of the average taxpayer in 2009. Richard Fairbank, chief executive officer of Capital One, had home security expenses of only $771 but the bank also classified as a security expense $46278 for his personal use of a driver. Other Capital One executives received similar perks. Lynn Pike, president of banking, received $2510 for home security and $2589 for personal use of driver. Home security system costs totaled $2451 for John Finneran, general counsel and coporate secretary, and $1237 for Peter Schnall, chief risk officer. For Gary Perlin, the banks chief financial officer, however, no home security expenses were paid. Capital One received $3.6 billion in government bailout funds.—Andrea Rock Fair Debt Collection Practices Act § 807 (3) Anyway, negotiating with your credit card company is easy! Watch and listen as I call my credit card company and ask to waive the late fee. For more info on what the banks have done to enslave our people, Watch PBS frontline's "Secret History of the Credit Card" and the "Secret of OZ". We are the 99% "Secret History of the Credit Card" www.youtube.com "Secret of Oz" www.youtube.com