is government intervention giving us a false reading on the housing market...why critics say home buying may nobe on a solid foundation. plus...global leaders push to re-write the financial rulebook..why banks could be hit with tougher guidelines and have to keep more money on the sidelines. and...why banks are having to dish out more money to protect their leaders...a look at the rising premiums for boardroom insurance and what it means for shareholders.

last several markets sections to in the past week last full week of trading in september the good news did not continue this didn't talk a sell-off continued stop from the highs of once the market action of last week to lows on friday we saw better in a 2% sell-off. him into the last week of september is surprising to see stock still in positive territory for the s&p five printer. given the fact september is traditionally one of the worst months in coming up this week and that we are getting off of each fund added that will test the market especially home prices which we are going to delve into that in just a few minutes and jobs on friday and as a big one. looking for those grains used to bloom here all expectations are the jobs numbers are going to prove to you to be awful but hoping that plan prices may start moving lower.

this week, we get an another update on where home prices stand... and critics say we could be seeing artificial prices... while we're in the midst of all the government intervention. some mortgage experts say the 8,000 dollar home buyer tax credit... and the federal reserve's buying of morgtgage backed securities is propping up the housing market.. recent data show existing home sales are 3 % higher than a year ago... meanwhile, median home prices are still down 12% from august 2008 but they are 8% higher from the lows in home prices seen this past january. some critics are skeptical about these numbers saying that they are skewed.. and that the housing market may *not be repairing itself the way it needs to. it's going to be just like cash for clunkers.. a rush of buyers and then going to stop and its going to look like auto sales.. that went back to previous levels.. the same thing is going to happen on the homeowner side as well. the irs says 1.4 million people have claimed the homebuyer tax credit... meanwhile.. the federal reserve

is in the process of buying more than one trillion dollars worth of mortgage backed securities - to help create demand for the securitization of home loans. mortgage experts say once all the government intervention comes to an end... potential buyers may dry up and it could cause home prices to fall.. the other headwind... will come from the glut of foreclosures that continue to come onto the market. 1.2 million home loans are at least 90 days delinquent... on top of that, 1.5 million homes are now in the foreclosure process... those numbers according to the wall street journal. and experts say the huge number of foreclosures will pressure the housing market when the government stimulus dries up. we need inventory to go down.. and supply and demand factors turn around.. more buyers than sellers would start to see prices go up.. but until we get the underpriced assets off the market.. like foreclosures.. we won't see prices go up and i dont' think that's going to happen in the short term. art hilliard believes the housing market will not truly recover until the job market

gets better.. and more people can afford to pay their mortgages... and buy new homes. global leaders continue their push to re-write the rules of finance. as the top officials of the world's 20 biggest economies met over the weekend in pittsburgh, they want to see tougher rules on banks by the end of 20-12, specifically, how much money a bank has to keep on the sidelines, instead of loan out. we are not going to walk away from the greatest economic crisis since the great depression and leave unchanged and leave in place the tragic vulnerabilities that caused this crisis. leaders outside the u-s have been pushing for america to go after mega executive paychecks in the banking industry. european leaders have even suggested a cap on pay. certainly have to week last week was pretty good for the bulls the second half will

become are the bears finally get their claws into something kevin along with us peaks' six investments over at the cme group i have to add to your change in the trend we've seen since march now or is it officially over? definitely not this trend is still in place if you been able smart to have no reason to take profits and there's no real big reason to take any now. the buying on dips here? you're going to see a lot of this is the fed meeting on wednesday this usually a catalyst of some kind it was in the catalyst in august maybe is a catalyst this week basically depend telling us we're still airing toward weakness in the economy interest rates will remain low for an extended. so burnett chico's out one day and says he thinks the recovery has lakes in been no real left wondering. technically speaking one week in an x with better reserve in doesn't want to be equivocal. ruby see buyers come in the market? were d.c. this recent selling pressure all the last three and have sessions

begin to find buyers? everywhere of both 1015 on the s&p. as one of the various levels were on 1040 so there's no reason we can go to 1025 and idle think any bulls really geared worry about profits that they have on the table unless we get below to 50. on upside 1100 in the cards for s and p before the end of the year? fuzzily i up my party put s and p 21100 with about 60 percent probability last month. that's definitely doable. and we don't have any real major downside catalyst here. we have the banking system and stabilize the liquidity is still there from the fed. banks are industry spot with the best deal curve we're looking l and a little bit of a sell-off in commodities oil lower but at the beginning of the summer or you would trade the device and five write home

on the range bear. we have to leave it there we appreciate hearing the optimism. kevin cook over at the cme group. still to come the high premium of protecting the board room....especially the top leaders of banks...why directors and officers insurance keeps creeping higher and what it means for shareholders. and later...your voicemails on bailouts, lost jobs and finding money to go to college.

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one performing sectors of the recent stock rally has been the financial sector. of course, it also helped lead the way lower earlier in the year. but as banks work to repair their balance sheets and their reputations, they are having to pay a higher price to protect their board rooms...so called directors and officers insurance. we spoke with lambros lambrou of aon analytics. part of a young corporation oak were talking about directors and officers what is it how does it work? it basically provides insurance to protection to directors' and officers' insurance companies for losses they can be brought against them personally. in the the state perform for the company one way of think about

it is like pressuring. for instance this would be a c o or a chairman for someone and deceased tweaked as well as in the boardroom but less protection against liabilities of making mistakes of some kind. pool shareholders' profile both claims and vendors can file those claims anybody can file this lawsuit right? in a lawsuit that a company prices often what will happen is that it will be expanded beyond the corporations to the individuals who work for that corporation. this normally is in short at the portion will purchase for those individuals. how does a company decide how many limitations to buy? it comes down to the risk appetite of the organization in me come down to past experiences and the board directors may have purchased in the past and often it can be done to benchmarking with private clients around what we're seeing in the marketplace and what is an appropriate level with their peer group. but it works similar

to auto home insurance in well as house in transit to make a claim next time around may see a higher premium the same goal for the nfl into borland has that ensued in the past we'll see higher rates? i did from an overall perspective but this is a fair comment. it tends to be a class of business that is much affected by severity type lawsuit so you have a losses problem pointed bill read large one so processing tends to follow the frequency and the severity because companies are not wanted a flooded basement but then when the house on fire. which brings us to tell the two markets because this bill the has been a tale of two stock markets to some degree the french sector and the rest of the mark in your seen the price when it comes to dealing with insurance. there's no doubt that there's a big difference for rental institutions being called up an economic miltown the we have seen over the last

once compared to everyone else had seen any back office or back away from purchasing insurance because it's too expensive? and we haven't. and of the 81 collect aboard together york was required to provide some level of protection to the bourse will allow them to perform the these to the company. what this covers me for shareholders? often will be seen in the litigation area as we seen a significant share price we look to recruit those losses and therefore it is an area where shareholders will bring lawsuits before corporations and plays a significant role for the sea sweet. the pricing increases in the french industry are uc entrance providers back away

from providing insurance for financial institutions? i did there be more cautious profiles of financial institutions some may be looking at the book that they have in the financial institution to i think there's a lot more caution as being exerted by insurance companies at the same time of a bid for the right premiere of the right risks. war risk appetite. that's correct. we appreciated think for looking under the hood. he heads up aon analytics. online items nintendo slashes prices right before the holiday season....why the game maker says the economy has nothing to do with the price cut. plus, movie studios cut actor's salaries and bring in outside partners...all in an effort to maximize profits

and...supply's high....and demand's low...but the price of oil remains stubbornly high...how long will they last....you can find these stories and more on our website...firstbusinessx.com. and straight ahead on the show.... viewers sound off bailouts... unemployment.. financial aid... and why they hate the government coming up next

as oil continues its slide.. we take a closer look in chart talk.... plus why traders may not be treating oil as an inflation hedge... that's coming up next

taking another look at the slide in oil prices of these recently over the past seven days or you is down 10%. a loss of sellers moved into oiled as much as a dollar rebound story as much of room for war supplies story feasting christo spoke about the friday manifesting itself in the selling pressure we've seen an " oil prices if we put the chart of from one crude-oil contract on the screen it clear line of sand on the high side and the low side. take a closer look send $5 a barrel is that line in the sand clearly owed passover once the oil has not been able to get over the market and on the low side of looks like oil could find support around $60 a barrel more. $60 interesting because this was the number that we get back into like just a couple of weeks after the high demand in the united states after the fourth of july riding holiday. we went back down to 60 and unable to get over to a 75 clearly

inflation however we look to other markets isn't big of a worry. this interesting how we'll has been used as an inflation hedge. recently however that trade is being done want according to people we are talking to take a look at interest rates for one having lower in fact the 10 years yield below the 3 1/2% so clearly this market is not thinking inflation record to be a problem and perhaps that is manifesting itself or oil. the global risk isn't there as well the announcement friday about didn't really flare up oil prices at all. watchlist in sickness and in health. first, states are expected to begin ordering their h-1-n-1 flu vaccines in the new week. the states get the shots from the federal government, which has bougt 250 million doses from five drug makers, including glaxosmithkline and novartis. meantime, the new week could be

when the house of representatives merges together three separate health insurance reform proposals into one bill.

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