selina: i'm selina wang and this is the best of "bloomberg technology," where we bring you all of our top interviews and this week in tech. common a coma apple unveils a faster iphone x. will it kickstart more growth for the first trillion dollar tech giant? some investors aren't convinced. plus coffee on the run. how convenience in tech is plain into starbucks's global strategy. we hear from the company's ceo.

and it's the new start of an era for alibaba. his successiones plan as he shift his focus to philanthropy and education. a big week for apple as the company unveils its new iphone strategy, tripling down on its upgrade to the iphone x. the iphone x s, the iphone x s max and a new entry-level , version, the iphone x are. we got a first look at the handsets after the announcement. >> it looks just like an iphone x as expected. some of the new enhancements include upgraded camera equal processor. it is supposed to be quite a bit speedier. it starts at the same price. it has new wallpapers. overall, it is just like an iphone x. face id same general design,

, features. the big differences there is a bigger version now which starts at $1050. it has a 6.5 inch screen. this one has a 5.8 inch screen. and the 10 are has aluminum around the side. this is the iphone x s max. it makes it quite a bit bigger than the iphone x. the reason they're calling it the max's it is quite a bit busy -- bigger than the plus. overall it's the same size as the seven. you have that much more screen. there will be one inch more diagonally. you can see their website with the interface, it's much bigger. it's sort of like an ipad where you have some of your content on one side and other content on the other side. same camera, same chip.

you don't have as much going on this one as you have on the iphone x. it's in the silver color. it's got a new gold finish. that's the iphone x. it this is the 10 r. it's sandwiched in between on the pricing scale. it's an lcd screen. at first glance, looks quite a bit similar. edges instead of the stainless steel. it also comes in new colors. they kind of looks like an iphone from the back. 8 single lens camera. led flash below it.

from the front, it really looks like an iphone x because of the headset screen. selina: investors seem mixed on the triple phone strategy but were surprised by the new apple watched series 4 it has more . health features than ever before and the first over-the-counter ecg reader. our reporter share her thoughts after the announcement. >> the redesign and how the face is different because of the complications can be a richer experience. it's a bit more powerful but it can also be simple. i think it's a smart idea to keep the generation in at $479. people that have been waiting, it's a much more affordable dip your toes in the water move.

i think the health side of things is important. how long will it be before we actually get our insurance to pay for it. emily: a lot of people who got the first generation of the apple watch, or it for a few weeks. it this because they say that it needed. can those people be convinced that this is enough to have a completely different experience? >> you have to put some time into the watch to really understand what it can do for you. emily: it does take a of time and energy. not everyone has that. >> people are trying to disconnect from the phone and i think the watch helps you. if you are a control freak like i am, i want to know what is going on but i don't want to , get sucked into my phone. you look at one tweet and 40 minutes later you're still

looking at your screen. the watch helps you with that and is a good cutting the cord but still being connected. emily: how would you evaluate the breadth of the phones that apple has now? up to the 10 s max? how well does this position apple going into the holiday season? >> it's a stronger lineup for apple for sure. but different countries have different price points and $450 for an iphone 7 is not cheap in india. it's the first time you have -- breadth $450 to , $1100. everything from a formfactor perspective as well. last year when the 10 came out, people appreciated more screen but if you were on a plus model before, it felt strange in your hand. you missed that larger form factor. that is what it will address

this year. and then you add it the r which is a new attempt by apple to stick to a more affordable price point. emily: but you think it could cannibalize sales of the more high-end phones? >> apple says as long as you buy apple they don't mind. it's different from a feature set and the colors itself. consumers will go with one of the other. i think what is important is it doesn't matter which one of the 10 you by apple is selling you the next , generation experience when it comes to iphone so they will be happy with either one. emily: what are the biggest risks ahead? what are the roadblocks? shares didn't react particularly well. there is usually not much days.on on announcement it if the company is already at

$1 trillion, is up the only way to go? or could there be another direction? >> there's a lot of attention other services side. this is what they have done today with the different models. the larger screens, whenever we are seeing the tv service, it will play to that. and maybe the other part is china and the economic and political situation with china. you saw today how much china means to apple with the fact they came out with a model that has two physical things when the rest of the world will have an e-sim. emily: there could be an additional set of tariffs. how much is it going to hurt apple? >> it will hurt apple more than it would samsung. that's the other big name in the u.s. market for smartphones. they don't have to get caught into this battle.

there are other ways. apple will have to pass on those tariffs to the final consumers. it's not as simple as saying they will build an america because the costs will be even higher. emily: great to have you back here on the show. thanks for sharing your perspective. selina: investors seem sort of unconvinced on this new suite. shares finished 1.24% lower and we are mostly down throughout the day here. for more on this, we are joined by shannon cross. why do you think the shares reacted this way? >> the stock has been relatively strong since earnings. i think a lot of what they announced are in line with people's expectations. i do think there will be some sort of digesting from an

asp perspective from what they announced. based on our estimates there's about a 10% potential year-over-year increase. that's significant given the increase the prior year. there is definitely a shifting up. whereas there are a lot of questions from their ability last year, i think at this point they have significant experience to know what the market could take and absorb. i am more confident in the pricing moves they made today. emily the average selling : price, seven are $24. it could go up to as far as $793. pierre ferragu.e yea they have the long view on apple. the iphone x has done so well so far there's not a lot of room for more upgrades. next year, in their view, will be a disappointment.

what you think about that theory? >> one of the things is they've gone up double digits the last several years on an annual basis. that is significantly large to target. i think the $749 phone will be very attractive to a large number of players. based in conversations with people, china likes the newest and greatest and big. that will help. i think again, there are a group of people were on the every year cycle who will go out and buy the latest one. i am not thinking that they have exhausted the potential pool of iphone x purchasers with what they did last year. clearly, it surprised them in the street in terms of how iphone x didn't fall off. it gives them a lot of support.

they can also give them a lot of support for going through almost $1100 for the high-end phone. i think they will get it. would be a huge percentage? not necessarily. but i think the combination of the two oled devices will sell well. selina: still ahead, coffee to go. starbucks looks to get back in the delivery game with a new partner. we will hear from the company ceo next. and if you like bloomberg news, check us out on the radio. you can listen on the bloomberg app and in the u.s. on sirius xm. this is bloomberg. ♪

selina: this is the best of bloomberg technology. i'm selina wang. starbucks is giving delivery service in the u.s. another chance. the world's largest chain of coffee shops is teaming up to test a delivery in more than 100 locations in the miami area.

several years ago, starbucks tested delivery service in seattle with post mates. kevin johnson joins bloomberg at the global action summit with how convenience is playing a role. >> sustainability has been a pillar of our agenda for years. starting with sustainability of coffee and making it the first sustainable agricultural product cups, to lead certified stores. today we are announcing a new greater store framework or we are going beyond the store into how we operate the store. it has to do with renewable energy buying renewable energy , credits so all energy in starbucks stores is renewable. it's about water stewardship and ensuring we are being thoughtful about water and waterways. i it's about managing waste. we have a complete program we put together with our partners that we are announcing today that will help make us a

greener, more sustainable company. what we do is we buy renewable energy credits and then basically ensure that we are funding and supporting growth of renewable energy sources to find the energy consumed in our stores. we do work to ensure that all the equipment in our stores is hitting the minimal amount of power necessary, and that's why we can certify store times and have a lot of innovation in store and that a lot of commitment to things like renewable energy and water and waste reduction. emily you get a lot of feedback : from coffee farmers around the world. by 2025, we will lose half the world's coffee. our pharmasset when you about how climate change is affecting them? where do you see the global coffee crop evolving over time? >> we source coffee from over

300,000 different coffee farms around the world. we have farmer support in every geography there is coffee from. we have egronimists network. what we are hearing, it has created a manifestation of coffee rust. gets on the leaves of coffee trees and kills. we have worked to create a rust resistant coffee tree that we give to coffee farmers and then we work to develop best practices on how to get the best quality of coffee and the best yield. we do that and we open source all of that information to coffee farmers around the world. emily: given the commitment you have, what is your reaction to the administration's actions with the rollback on methane protections? >> for us, sustainability has been a pillar of our social

impact agenda for more than a decade. it goes back to the origin and foundation of the company. it's our belief that the pursuit of profit is not in direct conflict with the pursuit of doing good. in the case of sustainability whether it's coffee, greener cups, greener stores, that's good for business. we stay focused on what starbucks does to demonstrate a great experience to our stores in the best coffees from around the world. emily: 2020 will be the year of the final straw. you have pledged to eliminate plastic straws. i know you have been planning for years to do this. what are some of the biggest challenges of getting there? >> this is a challenge of innovation. we do that not only by working within starbucks but with many partners outside of starbucks by innovating many things like the straw less lid.

the things we are introducing are being deployed around the world. we come up with newly designed straws that are composed of all or biodegradable. emily: what are they going to be made of and who will supply them? >> some are paper and some are compostable plastic. there's a supply chain being built to supply the volume straws that natalie starbucks -- not only starbucks customers use but are used in many other beverage establishments. emily: someone say the straws are just a drop in the bucket. what else can you do to push the needle? >> the other thing that we do is really work with local government to make sure they have recycling capabilities. we are focused on getting our recyclable cups and plastic into the appropriate recycling system in these local communities. we can make a big difference there. you have to focus on a variety of domains and that is what we are doing. selina: that was kevin johnson.

we will have more from the global climate action summit next when we hear from the san francisco mayor. a little later in the show, canada stocks are heating up. we will take a look at the tech behind the drugs regulation. this is bloomberg. ♪

selina: welcome back to the best of bloomberg technology. she's become vocal on clean initiatives. it she talked about her commitment to reducing waste and a 100% renewable energy target. >> we are well on our way to 100% renewable energy by 2023. we have 100,000 customers already enrolled in our program. i'm excited about getting to a

place where we can produce zero waste and coming up with creative solutions like green bonds that help with our infrastructure. we have the technology to do amazing things and we should use it. just because someone says it's not possible doesn't mean that we don't roll up our sleeves and do everything we can to try. emily: what is the plan to fight rising seas? >> right now, i'm glad you asked that. we have initiative on the ballot for our seawall. our seawall is really protecting us from sea level rise. we have over a $1 billion project. we have a bond where we are raising money. the things we don't see are sometimes the things that are more important than what we do. this is the dimmest between protecting us on a big earthquake comes or anything else of that nature. we are moving forward to provide protections for our seawall.

they: what do you get about decision for pulling out of paris. >> everyone who cares about our planet should be disappointed but what it has done is inspired people to come together for this action summit to not just talk about what we want to do but to actually put words into deed and get things done. emily: what is the strategy for accelerating the use of electric cars in the city? >> we have provided additional stations and charging stations here in san francisco. a new purchase of all of our vehicles are going to be clean energy vehicles. we put forth legislation a couple years ago to make that commitment. there are options. we can use them to get to 100% clean slate here in san francisco for all of our city vehicles including our dump trucks, police vehicles, all of those

things are headed in the right direction. emily: where is the city on self driving cars? >> the testing of self driving cars a little complicated. we are trying to work with the industry on responsible practices. what we are most concerned about his safety. we want to make sure people don't get hurt. we are working with industry to provide safe testing and regulations to keep people safe. emily: san francisco pass some surprisingly strict relations on scooters. do you think these regulations could loosen in the future? >> i think what happened when the scooters just started showing up all of the sidewalk people were like, what do we do with this? we are now trying to see whether or not this can be something that can work in san francisco. frankly i'm excited about the , scooters, especially when you wear dresses. you can go from one block to the

next. but safety is the number one option. riding on narrow sidewalks where people are walking is really a problem. our goal is to make sure people are using them safely. test them to make sure it works. emily: there are some other policies the tech community might see as unfriendly. are you taking on big business? >> i believe big business has to pay their fair share in helping san francisco with all the challenges that exist but i think there's a fine line the between helping and being responsible and overburdening the business community with things that drive them away. i want to make sure that our strong economy continues in san francisco so i want to make sure that we have balanced and fair regulation and that will definitely take time. emily: do you think the tech

whennity needs to do more it comes to homelessness and being a good city citizen? >> we need more, of course but the people that we have better homeless on our streets are struggling with drug addiction and mental illness. we've gotten people into our navigation centers which are 24 hour shelters that help people find permanent supportive housing and they have not always yed in that housing. they would get in there one day and be gone the next and its continuing to be a challenge. it's why am pushing to some reforms for mental health conservatorship. we will hopefully find a better place. it's not going to completely solve the problem because we know people are struggling but we have to do more and we have to do something different. selina: that was san francisco mayor london breed. the changing of the guard at alibaba. jack ma's plan to step away from

the e-commerce giant. check us out on twitter and be shoot you follow our global breaking news network at tictoc on twitter. ♪

selina: welcome back to the best of "bloomberg technology," i'm selina wang. another high tesla executives leaving the company. that's according to sources that the global vice president of finance operation is parting ways. we are getting news of longer forvery response time vehicles. longerrs may experience response times. chiefke with the executive officer.

>> people are requesting service on their cars, and what is happening now is tesla is in the middle of a sprint to get as many cars manufactured and delivered to customers as possible. it feels like there has to be some normal customer service snafu. until we learn more, i wouldn't read too much into it although i definitely want to start looking at what customers are saying and i haven't got a chance to do that. emily perhaps more serious is : this continued executive turnover. specifically in the finance department. we had the chief accounting officer leave as well as other finance executives. and now yet another. how concerning is it that tesla can't keep people in these very important positions? the company is working toward profitability. >> it's never good to have turnover especially with these exits. i do believe there's is a long line of people who would love to work in tesla. i don't think they're going to have a hard time replacing

anyone in these positions. the opportunity to get in on the ground floor of a company that is making huge changes to the automobile industry and that is very appealing. to people who are in silicon valley and a lot of companies do have high turnover. people in silicon valley tend to look for the next big opportunity. the turnover is never good but i think there is opportunity to fill the positions pretty easily. emily: this is extremely high turnover. we are focused on it. we've got an entire bloomberg team trying to talk to current and former tesla employees. what are employees saying? and beens happening has happening for the past few weeks i think would be extremely demotivating too many tesla employees. you have people who have been working around the clock including elon musk.

and while that is going on, you have this kind of whole drama that feels like self sabotage. while i think that ivan is right and they will be able to hire people. it's a company with a lot of growth potential ahead. there is the problem that when you have a lot of turnover, it saps productivity and we have the self-inflicted wounds. this company can't really afford that right now. they are trying to work as fast as they can't get the cars out the door. emily: we heard the coo of spacex comment on what she believes you want to be as capable and lucid as ever been. she wishes people wouldn't focus on the trivialities. as someone who is analyzing the company, what are the trivialities and what of all the news that has made headlines, what matters?

what matters when it comes to your evaluation of the capability of elon musk and the potential of tesla? >> recent events surrounding elon have been pretty shocking. however, the focus is still on the car. i don't believe anyone in a tesla showroom considering purchasing a tesla is thinking about what you want is doing. they are thinking about if they like the car and the car has a lot of appeal. the interest in the car is still very high. they have a long pipeline of people who want model three 3's. -- it i don't know if it affects the key thing which is the sale of the vehicles. emily: is that the case are are the customers out there who might be questioning is my car safe? will i be able to buy another one of these in three years? >> the legacy tesla customer, the people who bought the

roadster and the model s those , people are turned off by elon musk going on a podcast and using some drugs. but i do think as his company tries to make a mass-market car, electric toyota corolla or whatever, toyota corolla buyers don't care about corolla, they want a car that is safe and reliable. i do think there is some long-term risk if the company isn't able to get its image under control. the other thing is it's a situation you have a lot of little cuts. if they get things turned around and have a good quarter and elon keeps things normal on twitter, maybe these things die down. but if there's another problem like an accident at the factory or a driverless car, or who knows what, that can start to pile on and create the narrative that would be bad and

unprofessional. selena: it's the end of an era at alibaba with jack ma this week announcing his plans to step away day to day running of alibaba. he will hand the reigns over to his successor in 12 months time. stay on board -- he will stay on board until 2020. it kevin carter joined us to share his thoughts. >> i don't think he is exiting the company. he is exiting one particular role. he's doing it in the methodical way that has been talked about and broadcast. it is new information but not really news. he stepped down from the ceo role several years ago. and now he is making it more formal. the timeline for handing over the chairmanship, he handed over the ceo role many years ago. it's more about changing his

image to the philanthropist role he's planning on taking on in the future. emily: is anything surprising? >> it has been a long time coming. he has always said he was to pass the baton to the younger generation and wants to die on the beach and not in his office. it's not a surprise. the successor is much quieter but he has been the ceo for nearly three years. he has executed extremely well and is credited with bringing things to the forefront of the company and executing on a new retail strategy. it doesn't come as a surprise. i think the most surprising part is the timing. the analysts new for quite some time it was looming large. emily: is it any surprise that it's not the vice chair? selina: he was hired in 2007. he came on as a cfo and is

really credited with making it an established organization. jack ma has said that him leaving means his company is no longer relies on specific personalities but the organizational structure. jack ma will probably never leave his role as being the public face of the company but behind the scenes, many players have propped up the company for quite some time. emily: we spoke to jack ma on bloomberg television. take a listen. >> i don't think any problem solving won't happen. i have full confidence in my team and i'm fully confident in our structure. the partner structure which a lot of investors don't like. it's so perfect. it's the system that i think is

the contribution that i and my team built to this world. and people in the future will love it. they can make the company last a long time. emily: hopefully we will continue to get interviews of him because the higher is fun to watch. kevin, what is your view on the future of the company? >> i think that was beautiful. he has already been gone. he's made it very clear that what is important to him his culture, handing the baton, empowering other people. as he sort of alluded to, daniel is considered more like clark kent where jack ma is superman. i think the company is in great hands and the fundamental story here, you have billions of consumers in china, in india, in africa, all over the world

that are getting their first computer and first internet access. 5g coming soon and a big deal. soon enough to matter. the point is the fundamental , story behind alibaba, this is a big story of all the consumers in china and the rest of the world moving on up and wanting stuff and getting a computer, getting the internet, and doing it on the phone. he set a great culture for the company and i think they will continue fundamentally to do quite well. emily: what you think are the challenges that lie ahead? especially in the middle of the trade war? >> i think the stock risk and problems have have been related to the trade

war. the companies are going to struggle with the trade war. of all the sectors that are going to be hurt by trade wars, this emerging market internet sector will be hurt the least. it will sternly -- certainly affect the stock. selina: that was kevin carter. coming up, starting a new business is tough but the former ebay ceo has successfully led several. now he wants to share his expertise and we will hear from him next. this is bloomberg. ♪

selina: ebay coo and yahoo! chairman peter webb is a 40 year chairman of the tech industry. he continues to serve on the

board of visa and salesforce. today, he is investing in the entrepreneurs tomorrow through his web investment network. but it's not just about giving them funding but advice. in his latest book, he shares words of wisdom to anyone who wants to start a business. >> there's not a boss that tells you what to do all day long. today, we have to inspire people and motivate them and make sure they can do what they want to do. emily: you talk about ego and entrepreneurs can sometimes lose their way. how do you counsel onto partners -- entrepreneurs to make sure they don't get caught up in the arrogance that can be silicon valley? >> we build values into a company from day one. and teach how to be honest and transparent. and the higher up you go in the company or the world, the more you have an obligation to do better. i work really hard and try to

select for founders proper coaching because not just our money, we care a lot about our events. we have 90 affiliates and we want to bring in army to get up company to go better. it's not so fun to get somebody doesn't want help. emily: you try to connect them to people that you think will be valuable based on your own network. what do you really want to accomplish here? do you think founders are getting straight talk? >> they might get straight talk but they are not getting wisdom from the part -- where you spent a lot of years making things happen. it's a lonely job. i don't have an agenda, i am just here to help founders get better. when my son came up with this idea based on a post about a dad

dying in writing letters in certain stages of his life, this is cool. we give advice on a long but there's 100 ceos are everyone we go give advice to, is there way to codify this. we did the network first with a small deal for network said take this to the world. there is advice that helps a lot. emily: if you are writing a letter that started with tear elon musk, but with that letter say? >> i would start it with you are amazing and you brought more innovation to the world than most people could ever dream about and you need to keep feeling amazing. you and your board should make sure that happens. emily: the media has an criticized for trivializing some of this headlines and we see him smoke marijuana and tweet nasty things. we see him share what seems to the newe things with

york times. how do you control someone like that? >> i think you have to give him some advice. his board should be stepping up to work with him. it can never be just about the person running the company. you actually have an entity this behind you and all the company and the employees and the shareholders are counting on the board and him to do the right thing for them. emily what about mark : zuckerberg? what would that letter say? >> i think mark has come a long way. i met him when he first started the company. back then, it was can we even build anything anyone cares about? then, oh my god, we have to celebrate how far along they have,. every year, every new launch, the bar gets higher what you are obligated to do in the more people are using your product. the more responsibility you have to make sure it's done well.

i think he knows that there's more to do. i would encourage him to do that as quickly as he can. emily: you worked closely with melissa mayer and you navigated it's a very complex issues. what some of the learning there? >> she is amazing. i love partnering with her. it became a friendship as it went on. but it was hard. she never ever ever back down from trying to make everything work. but we had lots of hurdles to get over. thank god we got to the finish line and returned good shareholder value. selena: that was maynard webb. coming up, troy carter is known for smooth interactions with artist and now

he is chosen to lee spotify. we have an interview next. this is bloomberg. ♪

selina: cannabis stocks are heating up. the marijuana indexes gained over 50% since mid-august. there is a growing market in the u.s.. bloomberg tv has an inside look at the technology driving the role at a retail sales. and how could be common anchor market for the multibillion-dollar industry on the east coast.

the next state in the u.s. to sell recreational marijuana is gearing up slowly. pot sales are legal in massachusetts as of july 1 but by law, it can't be sold until tested at a licensed lab. the certified products are free from old and dangerous pesticides. >> the biggest obstacle has been labs not being licensed. before anything can be sold it has to be tested. selena: now, it can. this lab is one of two that won the state approval. brian strasnick runs the lab. >> we have 13 or 14 clients. selina: these clients send their products to see the x for testing. this is before selling to

consumers at their dispensaries. >> we have about 60 samples a day. we expect that to go crazy once recreational comes on board. i would imagine that we will triple or quadruple our samples probably in the next year. selina: the chief science s testing.ersee >> generally a full test will take between 48 and 72 hours. selina: how labs test is key to their business plan. one uses a petri dish to show harmful organisms. cdx is using dna analysis. >> we are qualifying the dna. we get a snapshot of what microorganisms are present. selina: which technique works better is up for debate. in either case, the successful

cultivate sales. >> by the end of september/beginning of october, the dispensaries that are up and running now start to be able to sell. selina: the state needs to rollout seed to sales software to monitor marijuana at all stages. once underway, the market is $325 millionit this year. >> fits than all money going out to get the infrastructure up and running. i am hoping by the first quarter of 2019 will be showing up for the significant profit. selina: massachusetts the seven state to legalize sales in the first on the east coast where it could prompt neighbors maine, vermont, new york, and new jersey to follow. >> we have the format and infrastructure in place to duplicate this all over the country.

it's just in its infancy. selena: he first made a name for himself as manager to lady gaga and john legend and now is one of the global head of spotify's greater services. he is credited with repairing the company's relationship with artists. he continues to work with star talent as well as investing in technology. emily chang sat down with him at -- on his last day at spotify. >> we had a great time. it's been two and a half years. i'm an entrepreneur at heart. it's in my blood. i wanted to take on a challenge. i felt like the music industry

was taking a shift. daniel lives light-years ahead of everybody else when it comes to see what the future looks like. being able to spend some real time with him and real-time within the company, and they could do a lot for me. in terms of understanding how companies scale. being there to see the company go from start up to big privately owned company. but also just for me, i was excited about some of the entrepreneurial opportunities. the white space that exists. emily: what do you think will happen in terms of the pie? spotify or apple music are you to. is the high going to keep getting your, or is one of them going to rise to the top and dominate? >> i think daniel has been clear, it's not going to be a

winner take all market. a lot of it has to do with the different constituencies of consumers. you have consumers who are never going to pay for music whether they don't believe in paying for music or more to the point, a lot of consumers can't afford to pay for music so they will consume a certain type of way. radio has always been an option. you have people who are still going to buy cds. your people who are vinyl enthusiasts. you have all these different types of consumers. then you also have voice. voice is going to develop a certain type of consumer. the car will have a certain type of consumer. you are going to have all different types. i don't think it is winner take all by any means. selina: that doesn't for this -- does it for this edition of the best of bloomberg technology. we will bring you the latest tech throughout the week.

bloomberg technology is also live streaming on twitter. check us out and be sure to follow all of our global breaking news networks. at tictoc on twitter. this is bloomberg. ♪

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of bloomberg rest examines the collapse of lehman brothers and its 10-year aftermath. >> a historic day on wall street. >> the bankers, policymakers, the regulators, the investors all faced decisions that shape the future of the global economy. >> systemic risk, you need a systemic cancer. >> with the benefit of hindsight, maybe lehman brothers should have been saved. >> we did know what to do about it and we did it. >> the financial system looks much different than a decade earlier, but have we learne