California's being called a nation-state without the tools or the vision to act in its own interests. We hear some ideas about how it might live up to its potential. Also, is medical marijuana out of control in LA? On our rebroadcast of today's To the Point, credit card companies, once denounced for offering easy credit, are under fire for tightening up, using psychological profiles of customers. We hear the latest about reforms the President wants to sign by Memorial Day.