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In today's podcast, Todd Sadowski and Richard Sadowski talk with Curtis Arnold about some changes in the credit industry- "the card act", his latest books, and the pro's and con's of credit.  Curtis Arnold, a nationally recognized consumer educator and advocate, has been educating consumers about credit cards since 1998.  Curtis has been featured in many venues including the WSJ, The Today Show, PBS and many others.  He is also the founder of CardRatings.com.   Listen in for another timely and quality program on The Good Steward!