The Senate voted 90 to 5 in favor of putting new restrictions on the credit card industry. In an effort to protect consumers’ rights, the legislation would put an end to some of the practices that have pushed so many Americans into an unprecedented amount of debt. (Today, credit and charge card debt is close to $1 trillion.) For a look at how the new restrictions may affect we got here and what the credit card industry has done to perpetuate this kind of debt The Takeaway is joined by Dan Ariely. He is the James B. Duke Professor of Behavioral Economics at Duke University. His updated and expanded version of Predictably Irrational: The Hidden Forces That Shape Our Decisions is in stores now.