AND, then, as I've mentioned in class twice....look up Texas' usury law and tell me at what percentage is a contract considered usurious. That means, if someone charged you too much interest, what's your remedy? Do you get put back to square one? Do you get to keep everything you got under the contract and pay him/her nothing? What's your legal remedy under Texas Law. If you go to the law library, look at the Civil Practice and Remedies Code, for Texas, of course. This isn't a hard assignment, just taking a little time and thought