All during the debate on the Dodd-Frank Wall Street Reform Bill,spyder ski wear, BofA and the other megabanks maintained a constant drumbeat, the message being that any new regulatory costs incurred by the banks would automatically be passed on to consumers.

I never quite understood that. We all learned in our first basic economics course that,Spyder Coats, in a free market,Spyder apparel, prices are determined by supply and demand. The only market where costs could automatically be passed on to customers was a monopolistic one. Well,Spyder Men Jacket, BofA learned from its customers that banking is not a monopoly -- at least not yet.

Most recently, I watched Verizon scramble to undo what it ridiculously called a "convenience" fee. I almost laughed out loud when I read how the company thought it could justify a $2 fee for online or telephone single payments. It took just one day for the social media to organize a massive protest.