Here’s a great quick read to get you back into the routine following a long holiday weekend … Ari Armstrong’s Sunday guest column in the Colorado Daily makes a point I have seen seldom argued in the debate over so-called credit card reform — namely, that Colorado U.S. Senator Mark Udall’s bill protects the irresponsible and punishes the responsible.

With those kind of incentives, the biggest surprise is that nearly 70 members of Congress actually voted against it.