http://cityclubpodcast.optiem.com/CityClubPodcast-070209.mp3 February 09, 2007 featuring Robert D. Manning, PhD, Director of the Center for Consumer Financial Services at RIT and Author of Credit Card Nation, After the Financial Services Revolution: Banking Deregulation, Bankruptcy Reform, and the Consumer Debt Cri NULL 2007-02-12 http://www.odeo.complaceholder-podcast.jpg