Pay_VV0 Pals_NN2 The_AT payday-loan_JJ industry_NN1 sells_VVZ its_APPGE services_NN2 to_II hard-up_JJ people_NN in_II poor_JJ neighborhoods_NN2 at_II steep_JJ prices_NN2 ,_, then_RT fends_VVZ off_RP charges_NN2 of_IO profiteering_NN1 with_IW the_AT cloak_NN1 of_IO capitalist_JJ virtue_NN1 ._. 
It_PPH1 says_VVZ it_PPH1 's_VBZ meeting_VVG a_AT1 need_NN1 ,_, filling_VVG a_AT1 niche_NN1 ._. 
This_DD1 is_VBZ how_RRQ loan_NN1 sharks_NN2 and_CC bookies_NN2 justify_VV0 themselves_PPX2 ,_, too_RR ,_, although_CS in_II fairness_NN1 what_DDQ payday_NN1 lenders_NN2 do_VD0 is_VBZ not_XX beyond_II the_AT pale_JJ legally_RR ,_, just_RR morally_RR ._. 
Skip_VV0 to_II next_MD paragraphIt_NN1 's_VBZ a_AT1 world_NN1 of_IO triple-digit_JJ annual_JJ interest_NN1 rates_NN2 ,_, milking_VVG people_NN 's_GE desperation_NN1 for_IF a_AT1 few_DA2 hundred_NNO dollars_NNU2 until_CS payday_NN1 ._. 
Its_APPGE customers_NN2 all_RR too_RG often_RR borrow_VV0 money_NN1 they_PPHS2 ca_VM n't_XX repay_VVI ,_, falling_VVG into_II a_AT1 trap_NN1 of_IO fees_NN2 and_CC bounced_VVD checks_NN2 ,_, taking_VVG new_JJ loans_NN2 to_TO pay_VVI off_RP old_JJ loans_NN2 ,_, accumulating_VVG fees_NN2 but_CCB never_RR paying_VVG off_RP principal_NN1 ._. 
You_PPY 'd_VM never_RR go_VVI near_II these_DD2 lenders_NN2 unless_CS you_PPY really_RR thought_VVD you_PPY had_VHD to_TO ._. 
Or_CC unless_CS you_PPY were_VBDR Senator_NNB Christopher_NP1 Dodd_NP1 ,_, a_AT1 Democrat_NN1 of_IO Connecticut_NP1 and_CC the_AT chairman_NN1 of_IO the_AT banking_NN1 committee_NN1 and_CC self-styled_JJ champion_NN1 of_IO consumers_NN2 '_GE interests_NN2 ._. 
He_PPHS1 somehow_RR found_VVD himself_PPX1 last_MD month_NNT1 having_VHG dinner_NN1 at_II a_AT1 sleek_JJ bistro_NN1 in_II Washington_NP1 with_IW members_NN2 of_IO the_AT Online_JJ Lenders_NN2 Alliance_NN1 ,_, an_AT1 industry_NN1 group_NN1 for_IF payday_NN1 lenders_NN2 that_CST troll_NN1 for_IF customers_NN2 on_II the_AT Web_NN1 ._. 
It_PPH1 was_VBDZ the_AT first_MD night_NNT1 of_IO the_AT alliance_NN1 's_GE "_" Spring_NN1 Conference_NN1 &;_NULL Blitz_NN1 2009_MC ,_, "_" and_CC the_AT question_NN1 is_VBZ about_II whether_CSW the_AT group_NN1 arranged_VVD the_AT dinner_NN1 for_IF Mr._NNB Dodd_NP1 ._. 
He_PPHS1 is_VBZ running_VVG for_IF re-election_NN1 and_CC has_VHZ already_RR raised_VVN more_RRR than_CSN $44,000_NNU for_IF his_APPGE campaign_NN1 from_II pawnshop_NN1 owners_NN2 and_CC other_JJ high-interest_JJ lenders_NN2 ,_, according_II21 to_II22 The_AT Los_NP1 Angeles_NP1 Times_NNT2 ._. 
The_AT dinner_NN1 on_II the_AT alliance_NN1 's_GE agenda_NN1 was_VBDZ a_AT1 "_" special_JJ event_NN1 "_" featuring_VVG Mr._NNB Dodd_NP1 and_CC a_AT1 "_" special_JJ guest_NN1 ,_, "_" Senator_NNB Tim_NP1 Johnson_NP1 of_IO South_NP1 Dakota_NP1 ._. 
But_CCB when_CS Arthur_NP1 Delaney_NP1 of_IO The_AT Huffington_NP1 Post_NN1 went_VVD there_RL ,_, he_PPHS1 was_VBDZ told_VVN it_PPH1 was_VBDZ n't_XX an_AT1 alliance_NN1 event_NN1 ,_, although_CS some_DD members_NN2 would_VM be_VBI there_RL ._. 
Aides_NN2 to_II Mr._NNB Dodd_NP1 and_CC Mr._NNB Johnson_NP1 told_VVD us_PPIO2 the_AT same_DA thing_NN1 :_: Forget_VV0 what_DDQ it_PPH1 looked_VVD like_II ,_, this_DD1 was_VBDZ a_AT1 private_JJ fund-raiser_NN1 by_II Mr._NNB Johnson_NP1 for_IF his_APPGE friend_NN1 Mr._NNB Dodd_NP1 ,_, not_XX payday_NN1 lenders_NN2 wooing_VVG a_AT1 senator_NN1 whose_DDQGE committee_NN1 was_VBDZ considering_VVG a_AT1 bill_NN1 that_CST could_VM seriously_RR cramp_VVI their_APPGE business_NN1 ._. 
That_DD1 bill_NN1 ,_, sponsored_VVN by_II Senator_NNB Richard_NP1 Durbin_NN1 of_IO Illinois_NP1 ,_, caps_NN2 interest_NN1 rates_NN2 on_II consumer_NN1 loans_NN2 at_II 36_MC percent_NNU ._. 
That_DD1 's_VBZ the_AT reasonable_JJ limit_NN1 that_CST Congress_NN1 placed_VVN on_II loans_NN2 to_II members_NN2 of_IO the_AT armed_JJ forces_NN2 ._. 
It_PPH1 should_VM apply_VVI to_II all_DB American_JJ families_NN2 ._. 
Mr._NNB Dodd_NP1 ,_, who_PNQS was_VBDZ recently_RR praised_VVN after_II Congress_NN1 passed_VVD a_AT1 bill_NN1 limiting_VVG abuses_NN2 by_II credit-card_NN1 companies_NN2 ,_, should_VM follow_VVI the_AT same_DA crusading_JJ impulse_NN1 to_TO go_VVI after_II the_AT egregious_JJ exploitation_NN1 of_IO payday_NN1 loans_NN2 ._. 
He_PPHS1 should_VM avoid_VVI even_RR the_AT slightest_JJT hint_NN1 that_CST he_PPHS1 is_VBZ cozying_VVG up_II21 to_II22 it_PPH1 ._. 
