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s and penalties, or saddled with loans they canamp。s what you can youamp。ve got nothing to fear from reform.(applause.) now, for all those americans who are wondering what wall street reform means for you, hereamp。s ability to grow, to prosper, to pete and to are a lot of banks that understand and fulfill this vital role, and there are a whole lot of bankers who want to do right and do right by their reform will help foster innovation, not hamper is designed to make sure that everybody follows the same set of rules, so that firms pete on price and quality, not on tricks and not on traps. it demands accountability and responsibility from everyone. it provides certainty to everybody, from bankers to farmers to business owners to unless your business model depends on cutting corners or bilking your customers, youamp。s put this in fact is, the financial industry is central to our nationamp。re grateful to them.(applause.)and the republican house members.(applause.)good to see you, joe.(applause.) now, letamp。t have happened without them.(applause.) passing this bill was no easy get there, we had to overe the furious lobbying of an array of powerful interest groups and a partisan minority determined to block the members who are here today, both on the stage and in the audience, they have done a great service in devoting so much time and expertise to this effort, to looking out for the public interests and not the special interests.(applause.)and i also want to thank the three republican senators who put partisanship aside (applause) judged this bill on the merits, and voted for amp。t also express my appreciation to senator harry reid and speaker nancy pelosi for their wouldnamp。s capital, surrounded by memorials to