Robert Benincasa

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AILSA CHANG, HOST:

A payday loan is a costly form of credit operating on the fringes of the economy. That's why the target of a new crackdown by federal regulators may surprise you: Instead of a forlorn-looking storefront with a garish neon sign, it's your familiar neighborhood bank.

A small but growing number of banks, including some major players, have been offering the equivalent of payday loans, calling them "deposit advances."

That is, at least, until bank regulators stepped in Nov. 21 and put new restrictions on the loans.

Remember running around the playground when you were a kid? Maybe hanging from the monkey bars or seeing who could swing the highest?

It wasn't just a mindless energy burn. Many have called play the work of childhood. Play teaches children how to make friends, make rules and navigate relationships.

But for kids whose disabilities keep them from using playgrounds, those opportunities can be lost.