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     Indeed, payday lending was a storefront industry until a little over a decade ago, when a handful of banks began offering so-called "deposit advances." As multiple studies have shown, however – and as the two regulators affirmed last week – these offerings bear all the trademarks of the worst payday loans, including high fees, lump-sum repayment within a few weeks, direct lender access to borrowers' deposit accounts (and income streams), and the tendency for one loan to become a cascade of loans at the equivalent of triple-digit interest.

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     I (heart) Scotland so much that I once made a doomed attempt to become rector of a Scottish university, in which I destroyed a massive poll lead by announcing that I was not only English but in favour of top-up fees, and ended up coming third and having beer poured over my head. But still I (heart) Scotland. I (heart) the bagpipes and the porridge and the view from Arthur’s Seat and swimming with seals and the funny prehistoric cows with ginger fringes and the see-you-Jimmy tam-o’-shanter that I keep as a memento of one holiday; and so I find it positively (heart) breaking to find that serious people are now worried that the union between England and Scotland – a gigantic political fact for 306 years – is under threat.

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     "That is my job on the planet. If I do nothing else but raise a son who is able to survive this tragedy and still come out able to love and receive love from others, that will be our greatest victory," she says.

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     But even with its flaws, Rimm argues that the program is an essential resource for the neediest Americans. "It would be disastrous to get rid of the SNAP program," he says. "And I think it's even disastrous to reduce the benefits of SNAP."

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     The upside of England's recent form has been an upsurge in productivity. Says Alex, "I've noticed a significant shift in my attitude towards the OBO. During the last two Ashes series, I got almost nothing done, constantly flicking to the browser for the score. With the exception of the first couple of days in Brisbane, I'm now doing everything possible to avoid it. Such as actually working."

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     The FDA doesn't know for certain how many compounding pharmacies exist in the U.S., says Janet Woodcock, director of the FDA's Center for Drug Evaluation and Research. She adds that the number could range from 700 to 1,000 such businesses.

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     "My very first political action, the first thing I ever did that involved an issue or a policy or politics, was a protest against apartheid," Obama said last week. "The day that (Mandela) was released from prison gave me a sense of what human beings can do when they're guided by their hopes and not by their fears."

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     – Speaking of efficient shooting, take a look at Dion Waiters. He scored 20 points on just 10 shots, his third straight game with at least 20 points. He now has 65 points on just 42 shots in the three games since the trade rumors erupted on Wednesday afternoon. Again, he focused on attacking the rim decisively and waiting for more catch-and-shoot opportunities. He had a few mid-range shots today, but made three of five. This is the Waiters that can co-exist successfully with Kyrie Irving. Now it’s just a matter of getting Irving back on track.

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     But Boehner fired back during a brief news conference Wednesday, suggesting that the Club for Growth, Heritage Action for America and other groups were vilifying a reasonable proposal to fuel their own fundraising campaigns.