>> hey, you know what? we're out of time of. see you have at noon. >> caption colorado, llc comments@captioncolorado.com good morning. in baghdad this morning. defense secretary panetta officially ends the war in iraq and honors the troops that fought and died there. >> because of the sacrifices made, these years of war have now yielded to a new era of opportunity. >> we have the very latest this morning from baghdad. president obama visits troops returning from iraq thanking them for their patri patriotism and commitment. what are their challenges they face here at home? we'll ask an iraqi war veteran. romney tries to catch up to the new gop presidential frontrunner. more from mitt romney this morning and also check in on the race in iowa, ahead of tonight's

final debate. the longest list of safe cars ever. we'll show ask you some of the 115 new vehicles getting top safety ratings early this thursday morning, december 15th, safety ratings early this thursday morning, december 15th, 2011. captioning funded by cbs good thursday morning to you, i'm erica hill. >> i'm jeff glor, chris wragge is off this morning. thinking where we all watched the start of the iraq war, nine years ago. >> today we are marking the end. history being made with the u.s. officially declaring that the war in iraq is now over. >> national correspondent jim axelrod is in baghdad with more on the announcement. >> the end of mission ceremony that just wrapped up here marks the closing for the headquarters for the u.s. armed forces in iraq. within days, the last troops

will convoy and the drawdown will be complete. in baghdad today, defense secretary leon panetta along with james jeffrey and the top u.s. general lloyd austin paid tribute to the u.s. troops who fought here. >> today, in particular, we remember the nearly 4,500 brave americans who made the ultimate sacrifice for their country. as well as the more than 30,000 wounded warriors. many of whom still struggle with serious, life altering injuries. >> reporter: the lowering of the u.s. flag today is different than other ceremonies held in iraq over the last several weeks. this was not a handover to the iraqis, this was a closing of what has been u.s. military headquarters here for nearly two years.

somewhere near 4,000 u.s. troops left here with hundreds more leaving later today. compare that to the all-time high 170,000, the army is down to two bases at the height of the war, that number was 505. even 15 months ago, there were still 92 u.s. bases operating in iraq. secretary panetta saluted general austin for overseeing the safe drawdown. >> your effort to make this day a reality is nothing short of miraculous. this was one of the most complex, logistical undertakings in u.s. military history. >> at a briefing this morning, general told reporters that he expects those last convoys to draw some fire, especially from iranian-backed militias that are operating in the south of iraq and that is why the military doesn't want to specify exactly when those last troops will be leaving. erica? >> understandable, jim. are they talking at all about precautions being taken to

protect those convoys? >> one of the things they're doing is keeping a very close eye on the weather. they want to make sure that they can offer a lot of air support and they need to make sure that everything is clear so that as the convoys are driving, they get protected from the skies, as well as on the ground, erica. >> so much to take into account. jim, thanks. president obama has thanked u.s. troops coming home from iraq from bringing to an end the nine-year war which he called an extraordinary achievement. >> big change for the president. bill plante tells us, good morning. >> good morning, erica. this has been a week in which the president has been celebrating the end of military's role in iraq. now, it was a conflict that he originally imposed before the war began and there was no mention of that opposition when he went to ft. bragg, north carolina, on wednesday and saluted those who had served. >> welcome home. welcome home.

we knew this day would come. we've known it for some time. it was the source of great controversy here at home with patriots on both sides of the debate. but there was one constant. there was one constant, your patriotism. your commitment to fulfill your mission. >> reporter: at the height of the war, there were more than 170,000 u.s. troops in iraq. almost 4,500 of them died there. and more than 32,000 were wounded. senator john mccain, the president's opponent in 2008, is a fierce critic of the president's dermation to end the american military presence in iraq. >> i continue to believe that this decision represents a failure of leadership both iraqi and american that it was a sad case of political expediency triumphing over military

necessity both in baghdad and in washington. >> reporter: the u.s. military exit from iraq stands in contrast for the continuing u.s. presence in afghanistan, still around 100,000 troops, but scheduled to draw down by a third at the end of next year. in iraq, a large u.s. civilian presence will remain. >> iraq is not a perfect place. it has many challenges ahead. but we're leaving behind a sovereign, stable and self-reliant iraq. >> and here at home, there is no end in sight to another battle and that's the fight in the divided congress for the third time this year the government faces the threat of a shutdown because democrats and republicans in congress can't agree on how to pay for an extension of the payroll tax cuts. erica, jeff. >> only the third time. somehow it feels like more. bill plante at the white house. want to get to threat laest, newt gingrich surging in the

polls and mitt romney, meantime, sharpening his criticism of the new frontrunner. >> jan crawford spoke with romney on wednesday and she joins us now. jan, good morning. >> good morning. throughout the campaign, mitt romney has really stayed away from going hard after his republican rival kept his focus on president obama, but in our interview yesterday, he took aim at newt gingrich and some of the sharpest attacks yet. >> talking about a friend -- >> reporter: the word mitt romney used most to describe newt gingrich was unreliable. >> i think newt gingrich has been an unreliable leader in the conservative movement. >> reporter: romney ticked off examples where he like climate change and his criticism of paul ryan's republican plan to reform medicare. you also emphasized that you're a person of sobriety and steadiness. do you think an unsteady president? >> well, i think you've seen in

this election statements from speaker gingrich, which suggests a level of unreliability and -- >> like what? >> the statements that the palestinian and palestinians are invented people and they're saying that paul ryan's plan is suicide. calling it right wing, social engineering. these things are not helpful. >> reporter: as romney and gingrich battle it out, president obama still has romney in his sights and signaled he will be running a populist campaign, the peoples the powerful 1%. how do you respond to charges that you're just a wall street elitist? >> well, first of all, president obama is part of the 1%. he'll try and help people forget that, but a guy who play 80 rounds of golf as president and making millions of dollars off his books and appearances, he's part of the 1%. >> do you think that one-line attack would make you less electability to say that newt gingrich doesn't have the successful experience. >> no, newt gingrich has his

wealth from having worked in government. he's a wealthy man, a very wealthy man. but if you have $500,000 purchase from tiffany, you're not a middle-class american. >> reporter: romney was referring to the millions gingrich made advising companies, including mortgage giant freddie mac, which paid him $1.6 million. obviously, he's made a lot of money in washington. you suggested kind of off the public trough. you've made it in many ways the old-fashioned way. when we look at a general election campaign, is he electable? >> well, i do know that when the speaker said some years ago that anyone who profited off of freddie mac ought to return that money, that that's going to be used by the democrats to say, hey, look, return that money and they're absolutely right. he should return those funds to the taxpayers. >> now, of course, all this comes with those key iowa

caucuses about three weeks away and newt gingrich rising in the polls. guys, romney now has those gloves off because it's right around the corner and time is getting short. >> that's for sure. jan, thanks. we also want to bring in paul di john dickerson. as jan just laid out for us, the gloves have come off and romney on the offensive calling newt gingrich zany, but how is this tactic going to sit with voters? >> well, it's, it remains to be seen. the problem for mitt romney is that voters have not embraced him. there has been this tepid feeling about mitt romney all along and newt gingrich is taking these attacks in stride and kind of brushing them off saying he's trying to run a positive campaign. the key thing here is the time is drawing short before this iowa caucus. mitt romney is now saying that this is going to be a long nominating process, so, don't be concerned if things don't look great at the beginning. he's in it for the long hall.

it looks like we'll also see tonight how many of these attacks he brings in this debate. >> it's not just mitt romney coming out hard against newt gingrich now. the national review coming out against him and other members of the republican establishment. did newt gingrich peak too early? >> well, in this campaign it's been so funny, so many candidates who peaked too early. we saw rick perry, michele bachmann, herman cain. so, he peaked at probably the best time he possibly can. but you're probably right, the daluge that has come down and the "national review" wrote basically, this was an anti-endorsement. pick anybody but newt gingrich. too volatile, too self-centered. he doesn't have a great deal of money to deal with this barrage of attacks and he's just got to hope that his standing in the polls, which is quite solid, and

not just sort of in the horse race question, but voters see him as the best to be commander in chief and who knows the most in terms of the issues. basically that can be a kind of shield against this barrage of attacks. >> well, it's interesting that sort of anyone but newt because for so long we were talking about anyone but romney, but, you know, two very different camps in this. new polling looking from new hampshire from suffolk university. 38% to gingrich's 20% support. that's new hampshire, though. when we look at iowa, if newt gingrich does very well in iowa, how does that change the game in new hampshire? >> well, it helps gingrich because it gets him money and momentum but it's a question, really, what romney's bet essentially is that he has a stronghold in new hampshire and that he's done the work in the later states, the way the delegates are portioned. this could be a very long,

drawn-out battle. if the time is growing short before iowa, the hope is that even if, let's say gingrich wins in iowa and that gives him some momentum, that romney does have places where he has strength in new hampshire and in those later states. and so that we see a long battle here back and forth attacks, but that it goes on for some number of months even before we know who the nominee is. >> we should all get comfortable for a long ride. >> john dickerson, thanks. >> jan crawford, nice to have you in the studio, too. some more trouble this morning for florida a&m university. a hazing investigation has turned up more alleged wrongdoing. >> this time police are looking into a possible case of fraud. anna westerner is in atlanta. >> good morning, jeff and erica. the university won't comment on all of this, but florida law enforcement tells cbs news that this latest investigation is linked to financial irregularities and associated with a&m officials.

the florida department of law enforcement in a letter to florida a&m's president said its investigation into the death of drum major robert champion turned up new information about potential criminal violations relating to fraud by university employees. >> it was just a notification letter that went out saying we are starting a second investigation. >> reporter: this marks the third investigation under way into the school. on monday tallahassee police charged three with the battery and hazing of a freshman claire net player. her attorney says the beating was so severe the girl's thigh bone was broken. >> she was beaten by hand, fist, spatulas, metal rulers and book binders. >> reporter: bernstein says it was part of an initiation ceremony for a secretive click called the red dog order. the group was formed by florida a&m marching band members from atlanta. former marching 100 band member

hemingway is known as the band's historian. how does a group that started as sort of a hometown club, essentially, wind up conducting such, apparently, violent hazing rituals? >> unfortunately, kind of like that book "lord of the flies." you know, where you have young people, young minds that a lot of times are unmonitored and unsupervised. >> reporter: in fact, students have told cbs news they believe champion died after a red dog order hazing ritual, called crossing bus c. along the way, what happens? >> they're punching you, they're beating you. >> reporter: all the way. >> all the way to the back. >> reporter: do you think this is what happened to robert champion? >> if he was on bus c and that's where they found him, yes. >> reporter: now, police are still investigating the champion case and they have not released any information as to the official cause of his death. jeff and erica, back to you. >> anna westernrner in atlanta,k

you very much. almost 16 minutes past the hour. good morning. >> good morning to you both. a new list of the safest vehicles for 2012 is out this morning. a record 115 cars for top picks. honda had 12 cars on the list, including the popular accord, toyota had the camry and 14 other winners. the most on the list from the insurance institute for highway safety. the big reason why so many cars were given safety awards, they're being made with stronger roofs. seven miners in idaho were rescued late last night a mile deep inside the lucky mine when there was a rock explosion. one of the miners was taken to the hospital and the others treated that scene. the white house

still to come this morning on "the early show." san francisco will soon have the nation's highest minimum wage. $10.24 an hour. good for workers, but is it good for businesses? also, the last u.s. troops leave iraq, ask an iraqi war veteran of all the challenges they face when they get home. you're watching "early show" on cbs. you helped make this happen. thank you. [ jane ] behind every open heart is a story.

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one week from today will be the first day of winter. how about that? >> wow. >> what? 11 days -- ten days to christmas! >> yeah. my son, he'll tell you exactly how many days. >> i bet he will. according to psychiatrist john john sharp that means big changes in our so-called emotional calendar. he says each season figures new moves. >> you think about it. it kind of makes sense on the surface but there is even more to it so we will dig deeper with him this morning and not only what the ties are but how we can manage our emotional calendar and use them to our advantage. look out, jeff, i'm taking notes. >> i'm going to empower you. >> thank you, jeffrey. >> you're welcome. >> full of power ahead for all of you on "the early show." announcer: this portion of "the early show" sponsored by hallmark. life is a special occasion. ♪ [ laughs ]

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san francisco police are adding extra patrols in the mission district ..aft good thursday morning. i'm grace lee. in the headlines, san francisco police are adding extra patrols in the mission district after two sexual assaults. the latest victim was attacked last week as she walk near 24th and fair oaks streets. surveillance video shows the suspect in that rape. the bay bridge is likely to be closed from oakland to san francisco for a long weekend in february. caltrans plans to close the bay bridge westbound on presidents' day weekend. mark your calendar. that is if it's not raining then. it's part of an effort to speed construction on the new eastern span. former governor schwarzenegger will join governor brown in a climate change conference here in san francisco today. the "sacramento bee" says schwarzenegger was a late

addition to speak at the california academy of sciences in golden gate park. we'll have your traffic and weather coming right up. ,,,,,,,, ,,,,

good morning. we are still following this traffic alert in sunol. backups are growing northbound

680 before vallecitos a big rig ran off the road into a ditch. chp has the two right lanes blocked off. you can see speeds are very slow under 25 miles per hour in those northbound lanes. southbound 680 through sunol is also backed up. but the accident is in the northbound lane. all right. take you outside, it is still slick all over the bay area. be extra careful this morning. we have a lot of slow traffic of where you go. westbound 237 extra heavy this morning out of milpitas towards san jose. and just getting word of some muni delays on the kt line. mechanical issues near fourth and king in san francisco. that's traffic. for your forecast, here's lawrence. >> fast-moving cold front headed through the bay area right now, folks, if you are going out the door, plan on some rainfall at least in the morning hours. you can see most of those showers located into the south bay right now. that will start to taper off throughout the morning. into the afternoon probably al done. cool temperatures in the 50s around the bay area this afternoon. ,,,,,,,,

♪ welcome back to "the early show." i'm erica hill, with jeff glor. living in san francisco, not exactly inexpensive as anyone who lives in that city will tell you. on january 1st, workers will see a raise. the city is boosting its minute wage to $10.24 an hour and makes it the highest in the country. >> not many are happy about that and some business owners will say that will make them cut back in other ways. we will get into that coming up. as we mentioned earlier, more than a million u.s. troops served in iraq and 4,500 were killed and 32,000 wounded and as president tladeclares the war o,

a different battle begins with the troops coming home. joining us is paul reich. thanks for being with us this morning. >> my pleasure. good morning. >> as you watch this, as you watch the event unfold this morning, the official handoff, what is it like for you to watch that? >> it's sobering. it's reflective. i think it's very emotional for those of us who served and our families. i think we think a lot about the folks we lost. in my unit, it was christmas eve 2003 when we lost sergeant major eric cook to an ied attack so we are reflective and thinking deeply about the time we served and also just happy to have our friends coming home, our families are extremely happy to be spending the holidays with so many folks who served so much, so it's a really historic time but time for a lot of deep talk. >> some of that's deep talk involves everybody coming home. a wonderful time for it to happen at the holidays, of course.

yet, vets are facing many challenges as are their families when they get home. what do you think the biggest hurdle is for american servicemen and women as they come home and they try to get back to, quote/unquote, normal? >> right now, the biggest challenge that our members face is unemployment. we see about 20% unemployment rate for our members nationally and some states like michigan it's over 30%. i think what is important for folks to realize the war is over but the battle continues. our veterans coming home to the toughest economy in decades so our message for folks around the holidays we need you to step up and support our veterans. don't turn the page on iraq because they have pulled out. a great thing you can do is hire a vet. they are dynamic and strong and help like they did overseas. >> programs the government has launched to push for hiring more vets. for some of these folks, they are coming home but there is still plenty of activity happening in afghanistan and they could be sent over there. >> that's a part of the new

normal for our military folks. i mean, more than a million of them have served more than once. they continue to redeploy. and we're also extremely concerned about the rising suicide rate. last month in the army over 29 active duty suicides just in the army alone so there is tremendous mental health stress and a real family stress that continues year over year. >> the divorce rate is the highest in more than ten years i read recently. as vets come back and do try to restimulate to get back into family life, what is the most difficult part there for them? i mean, what do they need when they come home? >> well, i think they need a whole community of support. they need mental health support. they need family counseling sometimes and they just need the entire community to really rally around them. we're really concerned as veterans group that america is just going to move on and close the page and forget about it.

what we need all americans to do right now is double down their effort, don't let us repeat the mistakes of vietnam, support your community nonbased nonprofits helping and step up and support veteran groups and volunteer in youyour community. >> that has been an important message i would say even since the start of the iraq war. no matter how you felt about it and how important it was to support the troops both here and at home which has been a nice change. talk to me about one of the positives you've seen in terms of how people are helping veterans when they do come home. >> you know, i think we have turned the page on vietnam in the respect that we have learned policy.rate the people from the we have learned to separate the war from the warriors. when vietnam war vets came to was so different than what we came home to and that was a real national embarrassment. i think we've turned that page and now see people supporting us in every way at the local level and that is a good step forward. we have to keep up that numt and we have got to try to make every day veterans day. that is our goal at iava and i think the goal for all americans

not just around holiday times but the next few years as these struggles continue. >> a pleasure to have you with us. thank you. >> thank you. here is terrell brown at the news desk with a check of today's other headlines for us. good morning. a record number of americans, nearly half, live in poverty or classify as low income. the low income threshold for a family of four was $45,000 in 2010 and 97 million americans fell into that category. another 49 million fall below the poverty line. that is 4 million more than 2009 and broken down by age, children are less likely to be poor or

up next, a historic moment for a historic city.

san francisco. >> the city by the bay will soon have the heightest minimum wage in america. great for workers but can businesses afford to pay those wages? we will take a look. you're watching "the early show" on cbs. to pick up some accessories. ou card a new belt. some nylons. and what girl wouldn't need new shoes? we talked about getting a diamond. but with all the thank you points i've been earning... ♪ ...i flew us to the rock i really had in mind. ♪ [ male announcer ] the citi thank you card. earn points you can use for travel on any airline, with no blackout dates. esears one-day sale use for trav7 am saturday!ine, 60% off coats, sweaters and fleece. up to 75% off all fine jewelry. plus, midnight madness! 6 pm to midnight only, extra 30% off all fall clearance clothing. shop preview friday. sears open 'til midnight select stores. it attends wrap parties... with the crew.

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18 states and the district of columbia have a higher minimum wage than the government requires but san francisco is now going high er. >> reporter: in san francisco, one of the most expensive cities in america mo wage workers are getting a raise. on january 1st, the city's minimum wage will rise $10.24 an hour the highest in the country. it's nearly $3 more than the federal minimum wage of $7.25 an hour. >> this is another san francisco first. >> reporter: at the chamber of commerce, this first is not sitting well with the chamber's members who run businesses. >> cut this, cut that, cut your hours back, figure out ways to make it less labor intensify.

>> reporter: dan schroeder is among those paying his minimum wage workers more and finding ways to pay others like his chefs less because in already high priced san francisco, the minimum of wage goes up when the cost of living goes up. is that a ridiculous sum for a minimum wage? >> no. because the cost of living is very different in different places in the country. in san francisco, it is very high so a minimum wage of $10 is not at all high relative to that cost of living. >> reporter: like san francisco, ten states tie increases in the minimum wage to the cost of living. on january 1st, washington's rate will climb to $ 9.04, the highest of any state but $5.15 an hour georgia is one with lowest minimum wage. dan says his minimum wage workers are waiters that make more on tips this on wages. but as wages rise, so do other costs. >> there is a ripple effect.

not only the wange goes up. all told it's like a thousand dollars an employee. >> our message is you can't have it both ways. you can't put people back to work and have a growing employment rate and the highest minimum wage and the highest government mandates in the country. >> some businesses do say that in this economic environment, a minimum wage increase is particularly hazardous. but they forget the other side of the equation. when you have people who have a little bit more money in their pockets, they turn around and buy more. >> reporter: while business owners suggest san francisco is out of step, the city may actually be leading the way. a recent poll shows two-thirds of americans favor a minimum wage of $10 an hour. john blackstone, cbs news, san francisco. up next here, we have all heard of spring fever. now a psychiatrist from harvard says it exists and a whole lot more.

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♪ most of us can feel when that mood change is coming on but you always know why it happens. turns out -- i'm looking at you smirk. turns out the season has a lot to do it. >> very interesting stuff. dr. john sharp written a book called the emotional calendar and here to talk about getting your seasonal mood swings under control. welcome. >> thank you. >> it turns out a lot more to it? >> absolutely. you can take a seasonal approach like i advocate on "the emotional calendar" to see how the seasons affect you. it's because of a lack of light. so i recommend people look into

the light and temperature and another is a man-made cultures of the season you buy into what we should be doing this time of the year. the third one is your past experience and what you're conditioned to expect based on what it's been like for you at different times of the year. >> for many people this is -- talk about a range of emotions this particular time of year. for some people, winter and the holiday season is the best time of your year but for others it could not get worse. >> it's almost bipolar. people have expectations from childhood and typically they are good ones. holidays are wonderful and filled with cheer and easy and special time away. as adults it's count intuitive but as adults end of wrap-up stuff and pressure and things we wish we could be doing but don't. alcohol use i creases this time of year and something called the holiday blues which is part

seasonal disorder and depression doesn't pique this time of year. that piques in january. >> everything is over the high of the holidays, the expectations you had. >> there is a let-down and you pull yourself together and credit card statements come aroun. suicide peaks in april which is not a time you'd expect. >> because? >> well, usually if you've been hanging on by a thread all winter long, the last thing you can hand is the birds are out chirping and it's sunnier. but i don't want listeners to think the emotional calendar is all about negative stuff. >> in terms of trying to keep it positive, what do people do now to manage those emotions? >> this is the thing. think seasonally and think in the three dimensions what is affecting you man-made or culture or personal. look for positive spots on your emotional calendar. find the time. the people that you enjoy being with and make sure you put some energy, you know, in that

direction. have time for yourself. don't put yourself last. don't think you're not ready. don't think you can't do it and don't take the easy way. we can all do better and it's easy when you stop and realize how you're being affected. >> i know we can do that any time of the year. is there one particular time of the year that is best? >> there really isn't unless you know that's true for you. you're a summer girl and winter guy it depends. the fall, people love the fall, back to school, people hate the fall, they want to be in the summer. figure out who you are, that's the point. >> i like it. we could chat a long time about it. >> thank you very much. it's my pleasure. >> thank you, doctor. >> happy holidays and the winter. why is warren buffett so good at picking the right stock? those answers ahead. >> it takes the right time of the season. [ male announcer ] juice drink too watery?

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laces? really? slip-on's the way to go. more people do that, security would be like -- there's no charge for the bag. thanks. i know a quiet little place where we can get some work done. there's a three-prong plug. i have club passes. [ male announcer ] now there's a mileage card that offers special perks on united, like a free checked bag, united club passes, and priority boarding. thanks. ♪ okay. what's your secret? ♪ [ male announcer ] the new united mileageplus explorer card. get it and you're in.

good morning. i'm grace lee. let's take a look at your cbs 5 headlines. a federal grand jury is investigating the defunct solar company solyndra according to papers filed last week by lawyers for the fremont-based company. the law firm's first reference to the grand jury matter was october 9. but the investigation had not been made public. a school band fundraiser turned sour in vallejo when a pair of thugs took off with $700. it happened during the annual winter concert at ben franklin middle school on thursday evening. witnesses say the thieves paid admission for the event and then stole the cash box from a parent's hands before joining two other people and fleeing the scene. the school is hoping for a door in to step forward. and -- for a donor to step

forward. the san jose earthquakes will build a new soccer stadium. a permit will be finalized tomorrow. if all goes as planned, groundbreaking will happen next year and the stadium will open for the 2013 season. we'll have your traffic and weather coming right up.

good morning. we will take you out live towards 880 and 237. it's jammed up leaving milpitas on westbound 237. there is an accident in the area so expect delays. a lot of delays wherever you're

going this morning. the rain isn't helping. we are following some accidents including this traffic alert that we just checked still in effect. a big rig went off the road in our 6:00 hour northbound 680 at vallecitos road. they still have two right lanes blocked. they hope to reopen lanes here momentarily. but in the meantime, it's really backed up along the stretch of northbound and southbound 680 in fact. out towards the bay bridge, it is stacked up to the macarthur maze. slow as well down the eastshore freeway westbound 80. and we have brake lights coming out of downtown san jose. that is traffic. for your forecast, here's lawrence. >> elizabeth, delays at sfo, too, because of the rain. arrivals about an hour late. we have the clouds beginning to part over mount vaca looking good there as we are seeing a fast-moving cold front slide through the bay area. scattered showers out there most of that light at this hour and as we head toward the afternoon we'll see a little more sunshine and the rain will have ended. things will be drying out but cool temperatures mainly into the 50s.

♪ ♪ welcome back to "the early show." it is 8:00 on a thursday morning. i'm jeff glor along with erica hill. the trouble with flood insurance. any kind of disaster coverage can get tricky. the fine print in your policy can mean the difference between having the money to rebuild and having nothing. we are going to visit a california city that won an argument over the flood disaster is leaving many policyholders high and dry. >> the wind and water was to blame there. also, the next generation is banking thanks to new technology. more and more people are using mobile phones to make deposits and withdrawals. we'll take a look at that and

other top banking trends like cutting-edge recognition software to verify just who you are. also the rise of social media and how it is changing the banking world. which is good news it turns out if you are under 30. we'll explain why. terrell brown is over at the news desk with a check of the headlines for us. good morning, again. good morning to you both. the american war in iraq is officially over. the end of mission ceremony was held in baghdad employeeing the u.s. headquarters. the nine-year war cost $800 billion and took the lives of 4500 u.s. troops. another 32,000 were wounded. secretary of defense leon panetta said the sacrifice set iraq on a path toward democracy. >> the reality is after a lot of war a lot of blood was spilt, a lot of sacrifices were made. iraq is in that position. they now have the opportunity to move forward and be able to secure and govern themselves. >> and at one point there were 170,000 american troops in iraq. today there are 4,000 troops.

they will all be gone within days. american diplomats and contractors will remain. the federal government will shut down friday at midnight if congress can't agree on a new budget. the massive spending bill is being held up as lawmakers rangle over a deal to extend the social security and payroll tax cut. vladimir putin denied allegations that the election results were rigged. he accused the united states of wanting to dominate other countries and said the world is tired of taking orders from washington. seven miners are safe after an accident in northern idaho that land last night at the lucky friday mine near mullan. one miner was taken on to the hospital, the others were treated at the scene. earlier this year two miners died at that mine in separate incidents. the latest auto crash test results are out for new cars. 115 cars were named top safety pick for 2012 setting a new record. they performed well in all the

insurance institute for highway safety tests including front, side, rollover and rear-crash tests. toyota had the most

>> announcer: this weather report sponsored by party city. nobody has more holiday for less. if you wanted to follow the strategy of a single stock investor, there are 50 billion reasons to choose warren buffett. >> his former daughter-in-law is an expert on his stock-picking med. her latest book is out and she joins us this morning. nice to have you here. >> good morning, pleasure. >> what's nice is first of all for anybody it is a quick read. you're going to give us a synopsis this morning, but everything is understandable and very much about common sense. one takeaway for me is patience. how much of warren buffett's success has to do with patience. >> a lot of it.

i mean, i always say, you know, everybody can invest like warren buffett if they stick to the principles of his investing philosophy. if they have the discipline. but most people don't. and i always wonder why because it is really not rocket science. and that's why we write simple books. >> we like this instant gratification, probably. >> huge discipline. but we should mention warren's ideal timeframe for holding a stock is forever. most people can't do that. >> it is and isn't. in 1969, for instance, the nifty fifty, which were fifty of the u.s. biggest growth companies, people thought if you invested in them and held them you would be safe forever. but what he saw is when those stocks were being extremely overpriced and knew their earnings could never catch up to their current price, he sold them. and he sat on that cash and waited patiently for the 1973 market crash and then he stepped

in and bought at bargain prices. >> which is one of famous sayings, warren buffett always says when everyone else is scared i'm buying, when everyone else is buying i'm scared. >> be pearful fearful, right. >> that's what you try to do? >> that's what you try to do. he buys when people are selling and sells when people are buying. >> we spend so much time looking at the dow jones industrial average. that isn't something he uses at a barometer. isn't it true that he ignores that this. >> yeah, one of the thing that allows him to be patient is he removed himself from the banter of wall street. kind of like wanting to date a girl in high school but she's dating somebody else, so you -- >> you lie and wait? >> you lie and wait. >> then you are there to pick her up when she falls down.

>> know the companies that are fabulous. >> his three basic models for company, the first one being -- >> a durable competitive advantage. which is really so simple. it is durable. it is a company that makes things now that are probably going to be around in ten years. an example is coke. razon gillette. coke, macaroni and cheese, i doubt they are going to change in ten years from now. and part of the durable competitive advantage is understanding what the company does. i mean, warren bought railroads and low-cost providers like costco and railroads. not going to reinvent themselves. get a chance to take the profits and put it back into the company. and the third is the low-cost provider, the consumer monopoly. you know, you might say, johnson & johnson, band-aid is a registered name.

when you use the name of a registered product, you may say band-aid, you might have bought it at walgreens. boy, that's when you know you own a piece of the consumer's mind. >> that's a good piece to own. >> mary buffett, thank you very much for coming in this morning. appreciate the advice. >> oh, my goodness, it has been my pleasure. >> nice to have you with us. just ahead, why you can't afford to ignore the fine print when it comes to flood insurance. >> we'll to a city in california where flood victims are being told we don't have to pay. you're watching "the early show" on cbs. captain, we have to keep going!

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♪ but hurry. it has places to be. you buy insurance soou'l you buy insurance so you'll be protected, right? when there's a disaster, but here's the thing, not all policies or insurance companies are equal. >> flooding in one city in california is an example how people are affected by the same event and get different responses from their insurers. julie watts of our san francisco

station kpix has that story. >> reporter: for many in capatola it seems like a bad dream. while the coastal community is no stranger to flooding, this time there was no warning. >> it usually comes up from the ocean or the river and we have plenty of time to sandbag. but this came the opposite way. >> reporter: that's because this was no typical flood. engineers blame an old pipe which unexpectedly broke during an average-sized storm. >> the next day we just shoveled mud. >> reporter: but the following day a larger storm rolled in. and with no pipe to control the water, it turns capatola village into a lake. in its wake a city filled with mom and pop shops already on the brink. and they soon realized the flood was just the beginning of their nightmare. next fema denied disaster relief and many insurance companies did the same. >> the people who had flood insurance were thrilled because finally their flood insurance policy policy was going to pay off. until the insurance company

said, no, we don't think it was a flood, it was a broken pipe. so they turned their liability and said, no, we think it is a flood. >> reporter: following the flood kern hannah was one of the lucky ones. she is back in business thanked to golden eagle that found the covered pipe a covered cause of loss, but for others -- >> it basically broke my bank emotionally and financially. >> reporter: david ross isn't talking about the capatola flood, but the response to the insurance and the effects left in its wake. his dreams of funding his store have been crushed. his savings repairing flood damage because allied insurance denied his claim. and he's not alone. the cankaid gallery was also denied by nationwide. >> nationwide who's on your side, not in this instance. >> reporter: jerry manning reviewed both insurance policieser us along with amy

bak. how is it possible two insurers come up with two different findings for the same disaster? >> they would say they have different language. >> reporter: they find the efficient proximate cause or what caused the los. allied denied the claim saying the damage was due to surface water, a policy exclusion, but engineers point out that surface water was caused by a broken drainpipe. >> the water would have been controlled had the pipe been broke. it is due to pipe failure. >> reporter: clark stoner says the findings have been widely reported. manning points out when damage comes to pipe failure -- >> that's a covered claim. >> reporter: when kankade reminded allied of this in their policy, they denied it again saying it limits coverage ten days before or after a flood. >> which is when you're most likely to have this exact loss. >> reporter: manning says in 34 years he's never seen coverage limit pipe drain coverage before

a flood since drain damage is likely to cause a flood. >> that's the hidden of fine print legalese exclusion. >> reporter: allied or any other insurer would have to prove it previously made it clear to the policyholder. we brought this to allied's attention and said it only covers it for sump pumps and not drainpipes. allied said the facts do not support the assertion of the flood was due to a pipe. back at this shop, that news is heartbreaking unless he sues allied david ross is out of options. david has now decided to sue allied and advocates advise taking on a big insurance billion soy to hire a lawyer with an insurance policy who continues to work on contingency. >> anything else the consumers can do to protect themselves here? >> reporter: well, this case

really demonstrates the need for a good agent or broker to help you pick the right policy to begin with. someone should have noticed that clause in the policy. also a good agent should help fight for you when you need them. and we should note there were many positive stories about insurers actually going above and beyond for people in capatola. that prompted some to switch over to those insurers. advocates warn against that saying you can't base current performance on past performance. >> julie watts from san francisco, thanks again. just ahead, you can bet your bottom dollar banks are changing here. >> we'll see how new technology to geo location is fueling a new revolution and how it may help you. this is "the early show" on cbs. buy moiomet ribiometerics is feeling a different generation. we can design our own plan to avoid interest by paying off diapers and things each month. and for the bigger stuff, we can pay downalance faster

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are making a revolution in the way we bank and pay for things and today a new report is predicting the top trends in finance for 2012. >> here with a look at the brave new world of banking and how it affects you, financial contributor carmen wong ulrich. social commerce is king? >> this whole report was by javelin. we picked our two top favorites. on facebook you see the major retailers are putting discount codes and pop-up sales but also smaller retailers, small business have pop-up shops going up there. we use a platform called pavement. it's more than just shopping on facebook. it's virtual gaming and virtual currency, gift cards, digital downloads as well. facebook is going to become social media in general the place where more and more commerce is going to happen. >> what is the shift to gen-y? >> we have shifting to that in terms of banking.

i've been here talking about the big bank transfer movement. one person was upset about debit card fees and managed to get 300,000 signatures online. the force of gen-y in terms of consumer complaints and feedback to the banks is huge so they are a big driving force in banking going forward. >> you say -- not you but one of the trends here is credit cards are back. we have talked a lot about using a credit card over a debit card for security reasons. is that why? >> here is the thing. the push this quarter why things have shifted to more credit card use some of it has to do with what the banks are doing. they are encouraging folks to use credit cards. the amendment went into affect in october. half of the fees they were getting from merchants every time you swiped your debit. that will cost the banks this year $6.6 billion in revenue. they have to make up for it. they are finding that credit cards have become the more profitable product for banks so there will be some shift there.

for consumers we have talked about the advantages of use a credit card. the danger is the folks who should not be using a credit card may use it again and we see the revolving debt is rising this quarter. >> don't get one with a 25% interest rate. >> how about 29.99? >> unbelievable. biometerics and i.d.? >> voice recognition. voice technology. retinol scans. fingerprinting. face recognition. all of these things are being developed in terms of authentication to prevent fraud with your banking. actually at the forefront of this if you can believe it is a credit union, desert field credit union and putting voice recognition technology into their online banking. shift is good and consumers are trying it. they found 49% from javelin found they believe that biome r biometerics is open and others

are open to it. folks are seeing this as a way i'm afraid of banking online about but if you make sure it's me doing it, then i'll do it. >> i have a buddy who put new doors in and had the fingerprint thing put it. >> i'm up for it. if it means nobody will make it into my account, i'll do it. >> geo location is really big? >> right. you know you have the coffee finder and all of these things on your phone. about saying here are coupons for a retailer down the street if you're looking for some kind of product they can find you and pinpoint your location and say, okay, here is where you want to shop to save money. that is going to have a lot of growth in 2012. >> people love that pen. >> carmen, thanks. ahead, the golden globes. stay with us. ,,,,,,,,

laces? really? slip-on's the way to go. more people do that, security would be like -- there's no charge for the bag. thanks. i know a quiet little place where we can get some work done. there's a three-prong plug. i have club passes. [ male announcer ] now there's a mileage card that offers special perks on united, like a free checked bag, united club passes, and priority boarding. thanks. ♪ okay. what's your secret? ♪ [ male announcer ] the new united mileageplus explorer card. get it and you're in.

adding extra patrols in san francisco's mission district ..after two violent 8:25. i'm grace lee with your news headlines. police are adding extra patrols in san francisco's mission district after two violent sexual assaults in the past month. the latest victim was attacked last thursday as she walked on 24th street. surveillance video shows the suspect. police are still trying to identify him. police also searching for three men connected to a pot club raid in the east bay. drug agents moved in on the happy wellness center in newark yesterday acting on complaints of a legal sales and mon -- of illegal sales and money laundering. the manager was arrested. they are searching for the owner and two others. the suspects accused of beating bryan stow will be in court in los angeles this morning. they are under arrest for the attack on stow outside of nuller stadium back in march.

but they have pleaded not guilty. we'll have your traffic and weather coming right up. ,,,, [ monica ] i'm away on a movie shoot and it hasn't been going exactly as planned. cut. cut! [ monica ] i thought we'd be on location for 3 days -- it's been 3 weeks. so i had to pick up some more things. good thing i've got the citi simplicity card. i don't get hit with a fee if i'm late with a payment... which is good because on this job, no! bigger! [ monica ] i may not be home for a while. [ male announcer ] the new citi simplicity card. no late fees. no penalty rate.

no worries. [ female announcer ] this time of year you have a lot of festive meals. and safeway helps make every holiday meal a special occasion. so you can make all of your gatherings, just as merry as can be. get a boneless beef loin ny strip roast for just $4.99 a pound. pair it with a nicely priced malbec. we have thousands of wines. and we'll help you find the right one. safeway. ingredients for life. good morning. well, we are waking up to wet roads, that's a tongue twister, so we have some slower traffic across the bay area. able to eight through oakland as you pass the coliseum you can see how slow speeds are as you pass the coliseum especially in the northbound lanes jammed towards the downtown oakland exit so drive

time about a half hour between 238 and the maze. things improving a bit out of downtown san jose. for a while it was backed up. looks like we have a traffic alert still in effect. they have been working to clear this one for a while. in the 6:00 hour a big rig ran off the road. they are still working to get the rig out of the ditch. so they have a couple of lanes blocked off northbound 680 approaching vallecitos road and traffic is very slow in the area. actually in both directions. that is traffic. for your forecast, here's lawrence. we have those clouds out there now, let's go to the beach and indeed, some clouds continuing to linger in the bay area. showers widely scattered now beginning to wind down just a bit. but those temperatures are going to be cool behind. most of those showers now heading to the south bay and you can see over the mountaintops there, but it looks like the system winds down and we'll see cool temperatures, and partly cloudy skies by the afternoon. highs mainly into the 50s. by tomorrow, though, the offshore winds begin to kick in. temperatures should warm up and dry out on friday and saturday, looks like the better part of the weekend. ,,,,,, ,,

today we're in new york with patrick wilson from a gifted man. >> now that's a gift i would not mind having. >> plus brooke shields, the newest member of "the adams family." >> you rang? >> taxi! >> all new on cbs. welcome back to "the early show." this morning we're going to show you the golden globe announcements nominations. is that the right way to refer to the whole thing. >> yeah. >> the announcement ceremony. which woody harrelson. >> hijacked a little bit. >> very musing announcement. we're going to get reaction from

dave carter to see the surprises, what the snubs may have been. >> everybody looks at these awards they cover movies, television, comedy, dramas. they're a precursor to the academy awards. a lot of people look at them as a hint to how the academy may be leaning. we'll take a look at who may be best actor, best actress. and one of the movies expected to get golden globe consideration "my week with marilyn." also generating considerable oscar buzz. earlier with spoke with its director, simon curtis. >> collin clark he was the third assistant director on the film. >> he was the third assistant director and it was his first job. >> he struck up this extraordinary relationship with marilyn monroe. what brought you to this movie? >> i read the memoirs he wrote

about this experience. he was a young man as a golden ticket during the making of the film had this lovely sort of charmed relationship with her during the make of it. >> they're talking about a golden ticket, turned it into these memoirs and really turned it into something. there's been so much talk about the film and how -- harvey wine stephen was talking about it. it was an upbeat time in her life. you said you read the memoirs. what was it in particular about this moment in time and this particular relationship that you really wanted to be a part of? >> i think it's every young man's fantasy to be with marilyn monroe. >> the truth comes out. >> i can identify with that. >> obviously michelle williams plays marilyn. i'm so excited that she would play the part. she finds the private complicated marilyn, but also she's so brilliant as the fun and sexy marilyn.

the song and dance marilyn. to see michelle as marilyn singing and dancing was really exciting. >> why did marilyn monroe want to work on this movie? >> she wants to come to england to work with the great olivier. she wanted to be taken seriously as an actress. i think she came to england hoping that working with olivier would give her great credibility. >> he came to regard her as a mess. >> they were talking difference languages. a lot of the film were about culture clash. they were in different places, i think. i don't think he supported marilyn quite as well as he might. >> do you think there is a change in interpretation of sort of the audience of who marilyn monroe was after watching this particular moment in her life? >> she wanted to be taken seriously. i think the audience will take her seriously. for so many people mare slin a

famous name and face. there aren't necessarily young people familiar with her performances. i hope our film will encourage people to look at her brilliant work and encourage people to consider her more seriously. >> you're dealing with a number of different men and their relationships with marilyn in this movie. there's collin clark, there's olivier, there's arthur miller. was marilyn monroe aware to the extent to which she was messing with so many minds? >> i don't know. she obviously had a great power over men. i think that was part of her technique. what's interesting is that so many of the men in marilyn's life were very famous, high status, influential men. this is a rare example of her showing an interest in anyone young -- younger than her, less influential than her. >> michelle williams she's incredible in the movie. what was it like to work with her? she seems like she'd be such a joy for a director to work with. >> that is exactly right.

she is a joy. i'm so lucky she read the script. >> so many people have this vision of marilyn monroe and who she is. i would think one of the challenges for you and michelle wom williams and not making this a car caricture. >> she brings a complexity and she's a very skillful actress. what's so wonderful is she not only hints at the complicated private marilyn, the fun, the sexy, the comedy. >> simon curtis thank you for coming in. good luck with the golden bloeb nominations coming up. >> we have headlines on your thursday. >> a record number of americans nearly half in population live in poverty or are classified as low income. the low income threshold for a

family of four $45,000 a year in 2010. about 97 million americans fall into that category. another nine million fall below the poverty line. all of that according to the census bureau. disturbing new numbers this morning on violence against women in the u.s. the centers for disease control and prevention says that nearly one in five women have been raped at least once. one in four were violently attacked by a partner or former partner. in colorado a cowboy was arrested and tazed for

we're about to show you the nominations that happened just a little bit earlier this morning for 69th annual golden globe awaurds. the best in film and tv and this year it was interesting the way they did it. >> it was. there were four actors doing the announcements this morning. gerard butler, woody harrelson,

rashida jones. woody harrelson made an unexpected move. >> he may not be invited. we'll see. it was fun. >> the golden globes are known as being that really fun awards ceremony. >> totally different from the oscars. >> totally different than the oscars. the nominations were in keeping with that theme. >> i would say they were. >> it was interesting. this is the time i think when a lot of people get excited about the award season when the golden globe announcements come out. >> so many great movies to see. a lot of great television shows as well that are being recognized. some on cbs and showtime as well. we want to show you the award announcement ceremony now. stay tuned for the little bit from woody harrelson. >> good morning, everyone, and welcome to the nomination announcement for the golden globe awards. with us this morning are rashida jones, jer ard butler, and woody

harrelson. rashida, please start. >> best performance by an actor in a mini series or motion picture made for television, hugh bonneville, will yum hurt "too big to fail", dominick west "the hour." best performance by an actor in a television series drama -- best television series drama --

best performance by an actor in a motion picture comedy or musical -- [ applause ] >> best performance by an tresz in a supporting role in a motion picture -- best performance by an actor in

a motion picture drama -- [ laughter ] >> that's so weird, it was here. i don't know what that means. best motion picture in a comedy or musical -- [ applause ] >> thank you. >> best performance by an actress in a mini series or

motion picture made for television -- best performance by an actor in a supporting role in a motion picture -- best director motion picture --

[ applause ] >> best performance by an actress in a motion picture drama -- best performance by an actress in a motion picture comedy or musical -- best motion picture drama --

"rampart" opens january 27th. [ laughter ] but i don't see it on the list here. there's a lot of things left off today, i just want to say. okay. "the descendants", "the help", "hugo", "the ides of march" "money ball," "war horse." [ applause ] >> congratulations to all the nominees, don't forget to join us on sunday, january 15th, for the golden globe awards hosted by ricky gervais live on nbc. >> we want to take a look now. your reaction is great. can i ask you, woody harrelson

throwing in a promo for his upcoming movie. how does that sit with the folks at the golden globes. >> i think that woody harrelson had to hope that the announcement was a promo for his movie. if there was one more slot for best actor in a drama he would have been nominated. >> the three of them in that one category, george, leo and brad, they don't need any last names, how about that? >> the golden globes do love to nominate the big stars. none of those three are a stretch. incidentally about half-hour ago some of the minor categories announcements, too, one of the nominees was "in the land of blood and honey" nominated for best foreign film by angelina jolie. >> there's ryan gozling in that category as well. >> and a movie called "shane."

ryan gosling was nominated twice. best actor in a comedy for "crazy stupid love", best actor in a drama for "ides of march." it overall got a big boost nominated for best screen play for george clooney. that's a movie that seemed to have been fading in the overall award season, but had a big boost. others were "the help." as well as "the artist" which is just rolling out now. one of my favorites of the year. that's probably going to sweep the musical or comedy category. >> it is very funny. it is a great, great film. >> the big hits in the comedy categories "bridesmaids" did very well. >> we both love it. >> we can watch -- i think this scene in particular is the,,,,,,

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we're back talking golden globe nominations which we just heard dave carter in "entertainment weekly" is here as well as simon curtis, the director of "my week with marilyn." congratulations to your nomination. >> three nominations. >> a film i'm very very proud of michelle's performance and ken's and i have to say my wife is also nominated so i was excited and grateful. >> we have video of you watching the announcement. as we roll that. >> let's get your reaction here. >> here are you listening in. was that a yes or was it for marilyn or for your wife? >> i think that was for elizabeth. i'm ecstatic for michelle williams. she worked so hard. she is so brave in taking on the

part of marilyn and deserves everything coming her way. >> she is going to win. going to win that category. >> i would love that to be the case because no one does it better more. >> it's great. we talked about the other artist six total nominations "the descendants" and "the help" each have five and three for "my week with marilyn." >> as far as films that got absolutely nothing, "the tree of life "has been picking up a lot of early awards and buzz that brad pitt was in, that got nothing. "the muppets." i was hoping they would get nominated. >> i hope they participate in the golden globes. >> unfortunately, the songs didn't even get nominated but best of song at categories elton john versus madonna and mary j. blige which will be great. >> a match we would love to see. tv, we didn't talk about that much. >> the golden globes love to

anoint new homes. "homeland" did very well. "big bang theory" did quite well. i'm surprised was melissa mcarthy did not get nominated for "mike and molly" or for "bridesmaids." >> and "good wife" did as well. they really kind of spread it out. revenge did well and a lot of new shows managed for pick up some nominations. >> one of your actors got a nomination as well, kenneth brana. >> he was brave in taking on part of owe llivier so he deser the claim coming his way too. >> what is it like to sit there and listen to that? it's only been two minutes. >> best two minutes of my life. i'm very grateful. it's such a competitive year and so many great films out there. for the film to be in play at all is a great honor. i like the comedy musical -- i

do hope the film is entertaining. i've loved hearing people laughing when they see it and i couldn't be prouder. >> i was going to ask you about your wife, elizabeth mcgolfern. she is somewhere else this morning. but you're in touch with her. is that something you were expecting for her? obviously as support of husband. >> i hoped for it because she has lived in england 20 years and so exciting to see her home country supporting her and i think she deserves it too. >> dave, is the oscar race now been adjusted? >> a little bit. i think the people who vote on the golden globes are separate from the oscars. i think what this does is help focus it a little bit and i do think movies like "the artist" and the help and descendants and hugo are the front runners in the race and they all did very well today. >> great to have both of you with us this morning. congratulations, simon and send our congratulations to elizabeth

as well. dave, more to do with you in the next couple of months as we look forward to handi,,,,,,,,

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caltrans plans t lanes of the bay br good thursday morning. 8:55. i'm grace lee with your cbs 5 headlines. caltrans plans to close all westbound lane of the bay bridge in february to speed the construction of the span. the closing will depend on the weather. crews need to restripe lanes and reconfigure the roadway so they need dry weather. a gunman is in the hospital with serious injuries after a shootout with police in san francisco's tender loin. it started with a traffic stop yesterday. officers say that the suspect ran and fired at least two shots at them. one officer fired back and hit him. police though are still looking for the female passenger. a school band fundraiser went terribly wrong in available when thieves took off with the loot at ben franklin middle school tuesday evening. witnesses say the two thieves

paid their $5 admission to get into a band concert then stole the cash box with $700 inside and they stole it right out of the parent's hands. and traffic and weather coming right up. ,,,,,,

good morning. well, you can tell the commute is winding down a bit. at the bay bridge toll plaza, we thinned out to the point that traffic is only backed up to the end of the parking lot. there was a stall reported on the incline. but they are working to clear it if they haven't already off to the shoulder off treasure island. so better news at the bay bridge. still slow though for your silicon valley ride westbound 237. sluggish leaving 880 then improves past zanker road and 880 on the nimitz just kind of stop and go from hayward to 23rd. that's traffic. for your forecast, here's lawrence. >> all right. showers around the bay area today, skies beginning to break up just a little bit. let's take you out there right now. still some fog and some low clouds hanging around the bay area. we're going to see a couple of scattered showers continuing most of that focused, though, in toward the south bay. high-def doppler radar picking up on that. showers in the bay area. this afternoon, partly cloudy skies and rain ends. temperatures cool and in the 50s, warmer tomorrow and dry right into the weekend.