Grassley said there was a $600/yr "tax" paid by all Americans due to the relief taken away by the bankruptcy reform (BARF) bill. Hatch went farther and claimed it was actually $900/yr. Those "refunds" never materialized and those men dissembled their way through the debate as is their wont, but Biden has no excuse other than slavishly adhering to his Capital One and other Delaware-based fellow travelers, campaign backers. All three of these men should exit public life after rendering their apologies to America.