The day before President Obama touted his commitment to serious reform of the credit industry ("There's no time for delay; enough's enough," he said today), the Democratic Senate doesn't muster up the votes for push forward the only meaningful reform proposals out there, one which would have capped credit card interest rates at 15% and another which would have  expanded the government's regulatory power over the industry. The Senate's final vote on reform comes next week. Can 17 Democratic arms be twisted?