in the '90s, when turkey was admitted to the european customs union, and it had a positive impact on the turkish and european economy. one thing built on another, to a formal accession process, leading to a solution of the cypress problem, which stood in the way, when you pointed to 2005/2005. there was a plan very nearly a solution to the cyprus issue. and that was the high water mark of the european process with turkey. when that failed, because the greek cypriots rejected it, that set back the process. nonetheless, turkey had a ministry for european affairs which, to my knowledge, persists to this day. it remains the policy of the republic of turkey, certainly where a pundit and a states person or someone makes a statement that sounds race. >>, racist or prejudicial on the basis of anything. in today's world that flies around in the mainstream media, in youtube, on twitter, it has an impact. people encounter that. we didn't want those grapes anyway, they were sour. who wants to be part of the eurozone any, and you get that sort of not well thought through angry reaction that can f

but procedural wise opening new chapters, upgrading custom union and deepening our economic relationsg the these twice a year. these are very important decisions i will be taking. all my colleagues in europe, they agreed that turkey and e.u., have the same destiny of the members of our continent and turkish membership will be an asset. not on the e.u. to turkey, but also to the global peace. regarding the political problems and tensions around turkey, and in the neighborhood of the e.u. we agreed on a joint action plan and according to the joint action plan the main joint approach is that this is a common issue. this is not a turkish issue, this is not a european issue. turkey and the e.u. are not responsible for this humanitarian crisis, but at the end of the day we have to act together how to deal with refugees crisis. again, we agree that in order to solve this crisis, there is a need i've solution in the syrian crisis. otherwise, even if we have a joint action plan, the refugees continue like this, turkey and the e.u. will be facing much big problems in the future. as i said in th

borders on people is not that huge great it should not impact the free movement of goods and the customs unionovement of the economies trading between each other. i don't think it would be that huge and economic blow but politically this is really a huge political project for the eu, on par with the eurozone. when you think about the blow people talked about when dismantling the eurozone, that has the same residence with dismantling schengen. it would be a big acceptance or failure but at some point you have to consider if it's not working, if they don't have a proper external policy, they don't have a proper immigration and asylum policy, then keeping it open may cause a backlash. i don't think we are quite there yet. joe: even before the recent attack, we saw some countries in eastern europe start to put up fences. closing itsance borders after the attack. what can countries do unilaterally and what has to be agreed to between countries when it comes to this question? >> under the schengen and eu treaties, there are provisions for emergency situations where borders and checks can be installe

unionize. >> customers can use a app to use service.o 10 flu shots at each location at no additional cost. >> not reallyfree. it is 10 bucks. never fall for that. >> there you go. it is cheap, i still don't care much for flu shots. >> it was 23%effective last year, but now we get heigh hate mail, everyone, you do you. make your own decision, that is just us, "risk & reward" starts right now. [ sound of gunfire ] >> i am deirdre bolton, authorities say that abaaoud's corps was identified by a fingerprint match, they fired 5,rounds of ammunition during the siege that resulted in arrest of 8 suspected sympathizers, the woman, a

customers. may receive the largest union endorsement yet. postal workers backing the senator. he is facing a challenge to his eligibility on the ballot in new hampshire because of his longtime status as an independent. and those are your first stories. ♪ west.this is bloomberg cisco posts a 9% gain in earnings per share but the results contain a warning. hoffman defending a controversial executive retention plan. shares of a navigation software surged. first, quarter earnings from $12.7 billion in sales, up 9.4%. the company is warning that second-quarter earnings may not be what they might have been. we have been taking through the numbers. in the quarter, what was the general tone on the conference called? >> the tone for what happened was pretty good. they were pretty positive with the possible exception of what happened in the router business, which was down 8%. quarter.pretty good there was an issue in guidance. cory: routers used to be the is that really a sign of the way the world is changing? i think the issue with routers this quarter has to do with new products comin

they run a crews terminal i'll tell you that like it is several months ago look bad customer complaints about the union terminal and this is unacceptable you don't be ride to people when they get off the cruise ship working with any union we did a check up and back up now i east got a text if stefanone with the head people and said that attitude is happening with adrenalin mayor getting the highest marks in the united states inform to our crews terminal us working together and help to have the xhuvengz harry truman said the harder thing to tell the people no they're out of line no matter how close the first thing people see are the workers you can go to work with a good attitude we want people to come to san francisco and ooze but if you get a bad eruption you can work years and have a good reputation but one bad reputation it takes years but hopefully, we're on the right foot and consider coming to san francisco we have at best facility and the best brothers and sisters and have so much to over. >> thank you commissioner adams stepping in and up and your leadership was demonstrated and so on behalf of

customers. may receive the largest union endorsement yet. postal workers backing the

employee as minimum wage of $15 an hour rather than $12.25 and they want to unionize . [ inaudible ] >> crowd made it tough for customers to get their breakfast one man gave up. >> i understand they want more pay and stuff and that is great but do not disrupt the business. >> protesters like this are happening in 270 cities today kickoff a year-long fight for 15 campaign before the next election. the demonstration in san francisco started early at 6:00 a.m. at 24th and mission where they made a lot of noise on the street corner to try and raise awareness and gain supporters. >> i feel like it will open a last eyes to the people who have been sleeping. hopefully they feel the struggle and help. >> this goes beyond fast food restaurant employees but it was fall all low paid workers including him care providers who live below poverty level. >> she is confident it will create change and those who protested rather than work today are also feeling the extent in numbers. >> it feels great. i know we are all, like, we want the same thing. it feels from. coming together. >> the push coming this afternoon and they are planning a

union passports. they don't check those passports very well. >> you don't have to go through customs within the european be a debate? you were talking in the last hour how popular measures to restrict certain liberties are right now. is that something you feel the french people would accept? >> there is an incredible tolerance now suddenly, a new willingness to limit people's liberty to have tighter security. when it actually starts to restrict the freedom of movement and actually starts to have an economic cost, it is sure to be much more controversial. >> olivia sterns, thank you very much. that wraps up this hour of msnbc live from paris. thank you for the privilege of your time. tamron hall is up next. >>> it's time for the "your business" entrepreneur of the week. kelly is an optometrist who owns table mountain vision in beautiful golden, colorado. she's the leader of golden's shop local movement. she and the town have big plans for small business saturday, including a pay raise. for more, watch your busy sunday mornings at 7:30 on msnbc. this is more than just a town. this is our home. and small b

. >> large and small banks and credit unions participate in large nationwide atm alliances. whether you're a customer of a large or small bank, very often you're going to find you have tens of thousands of atm's around the country at your disposal you can use for free. ernie: this hits us all. we know that. and as you're pointing out, you've got to do your homework. >> reporter: you need to know what you're doing. they're astronomical fees. they can be avoided. one thing people need to remember, you don't have to go to an atm to get cash without being charged a fee. at most supermarkets, most drugstores, you can do cash back when you make a purchase. there's no fee for that either from the store on from your bank. it's a better option than going to an out of network atm. ernie: you have to check it out, whether it's a bank or credit union, to find out how the network will work. >> you don't always need to go to an atm with your bank's name on it for it to be an atm that can offer free money. it's your money. but money without a fee. ernie: i understand. without the fee. and they're atrocious. new yor

they run a crews terminal i'll tell you that like it is several months ago look bad customer complaints about the union down at the crews terminal and this is unacceptable you don't be ride to people when they get off the cruise ship working with any union we did a check up and back up now i east got a text if stefanone with the head people and said that attitude is happening with adrenalin mayor getting the highest marks in the united states inform to our crews terminal us working together and help to have the xhuvengz harry truman said the harder thing to tell the people no they're out of line no matter how close the first thing people see are the workers you can go to work with a good attitude we want people to come to san francisco and ooze but if you get a bad eruption you can work years and have a good reputation but one bad reputation it takes years but hopefully, we're on the right foot and consider coming to san francisco we have at best facility and the best brothers and sisters and have so much to over. >> thank you commissioner adams stepping in and up and your leadership was demonstrated a

customers in beauty salons deserve to know. jan crawford, cbs news, washington. mollie: the european union bans one of 1000 chemicals and personal use and care products. of those, the u.s. only bans 11. through the years he has brought is the central iowa homes and now he is getting ready to pass the baton. coming up, counting down to kevin's final newscast. set to open in downtown le are sick and tired of establishment politics, and they want real change! [ cheers and applause ] bernie sanders -- husband, father, grandfather. he's taking on wall street and a corrupt political system that keeps in place a rigged economy. bernie's campaign is funded byover a million contributions -- people like you, who see the middle class disappearing and want a future to believe in. i'm bernie sanders, and i approve this message. >> this is iowa's news leader. this is kcci 8 news at noon with -- says goodbye for 6:00 and 10:00 anger. he started working here in high school and never look back on a job that is taken him all her sees -- overseas and into your living room. while technology has changed, the l

customer. think it is good if you are able sliding union. -- i think it is good if you are a volkswagen union.een pushing hard to save money in logistics. that cutting models would result in cutting employees. they said, let's be efficient. there is money to be saved. they have too many models. this is going back to trying to be a big world player. this has been their undoing. erik: what models can volkswagen do without? >> they need a seven passenger suv. if you have a volkswagen polo , sport, our line, and it goes on and on. there are 23. -- chrysler does this. it is good if you are trying to build market share. if it trying to be toyota -- the toyota. in the long run, you will not see a huge impact in most markets. they may get a nice profit margin. they will have the same cars there. you will have fewer special options. i haven't seen a huge impact on sales get. i am curious to see in november when they report sales. let's see how volkswagen do. will the fact that people who wanted greener volkswagens, will that catch up to them? erik: there are reports of growing evidence that audi is a p

the heaven crew union has called for three more days of strikes today. 100,000 customers will be affecteday. carlsberg is the world's fourth-largest brewer. it will cut about 2000 jobs as it seeks to reduce its annual millionas much as $288 by 2018. about 1300 employees have already been notified. the move will cut staffing by 15%. shares are trading up. china's industrial output slowed in october to match the weakest gains since the global credit crisis. retail sales defied the trend, rising more than economists forecasted. a greater reliance on consumer spending. let's we take this break, go back to the open forum. that is george osborne. this is the open forum. leaders of the u.k. and the bank of england, they want us to restore our faith in financial institutions and markets. ♪ manus: welcome back. this is "the pulse." ab inbev has made a formal offer for $107b miller billion. the merger will make the industry's biggest ever deal. jonathan, will the deal go through? 40 pounds, the offer is 44 pounds. the market is pricing in a margin. what do you think? >> from a shareholder point of

unions. >> reporter: this restaurant owner tried it, but servers quit. customersg tips. >> it would have been a painful irony to make decisions to protect the kitchen and then alienate another group of employees. >> reporter: but another restaurant in seattle has found success. customer count is up and so is revenue. and here in new york famous restaurant owner danny meyer recently announced he was also getting rid of tipping at 13 of his restaurants. it's an experiment many are watching closely, jenna, it'll be very interesting to see how it plays out. jenna: it certainly will, abby, thank you. jon: new next hour of "happening now," after five years of bars behind cuba, alan gross reveals what life was like there. we talk to the former adviser of four u.n. ambassadors about what his case means for other americans still jailed overseas. >>> and are your hard-earned tax dollars getting squandered on questionable science projects like the one involving shrimp on a tiny tread mill? so if you have medicare parts a and b, consider an aarp medicare supplement insurance

new tonight at 6:00 -- >> i'm mike carter-conneen outside union station where today uber drivers reacted to the brutal viral video showing a customer beating his driver in california. we will look at the local law and policy with the uber vehicles. is: all right. first time to get back to breaking news we have been following this afternoon. a major fire in mobile track home. he is there now. what is the latest? >> let me let you see the house where the fire started. this started in the garage area. i talked to the homeowner. a woman, the homeowner was inside and he is told me she heard a noise and came outside and saw her garage on fire. it spread down below upstairs. a good portion of the house has been damaged. she was the only one home. no one hurt. her dog was in the garage area. the upper part of the garage. the firefighters had to go in and rescue the dog. they have it undercontrol. the one-alarm blaze. there eyare now. there is thedog. i don't know if you see the dog rescued. she is doing fine. reporting live, horace holmes, abc7 news. leon: all right. scary night. happy dog. alison: it is. made an appearance on tv. leon: go

union. >> i had to evaluate the way the store looked, how the customer service was. >> reporter: she completed three jobs before getting a call from her bank about those money orders. >> i'm like how is it counterfeits >> reporter: they were all fakes now she owes her bank $5,000. >> i just broke down. >> if someone is telling you to deposit any money, red flag. >> reporter: the u.s. postal service warns customers to always authenticate postal money orders. >> you have to investigate. you have to do your work to make certain that this is a legitimate company. >> reporter: remember the original e-mail enticing her to mystery shop for walmart? a closer look revealed a dead giveaway it was not legit. >> i noticed walmart was spelled incorrectly? with two ts at the end. >> reporter: if she had noticed that, the young mom said she wasn't have fallen for the scam that cost her and her son their home. >> i'm just thinking about my son. it's around the holidayings. -- it's around the holidays. how do you tell a 6-year-old that christmas is not going to happen? >> call the u.s. postal service, go to th

act itself, and mark a return to relationship lending in which a bank or credit union can tailor products to a customer's needs and credit risk without running afoud of the one size fits all government requirements. small banks and credit unions have been disproportionately impacted by these rules. it is no coincident that harvard researchers have found that since dodd-frank's passage, commun banks have lost market share at a rate double that experienced prior to the dodd-frank passage in 2006 to 20 10, a period including the entire i have to the financial crisis. by bearing the risk, financial institutions have every incentive to make sure that the borrower can afford to repay that loan and no less than chairman barney frank endorsed this concept at a hearing before the financial services committee last year, saying he would like the main safeguard against bad loans to be risk retention because that leaves the decision in the hands of whoever is making the loan. the bureau itself made this key point in its own rule make, where it recognized that port tole yow lend verse a strong insent toiv consider whe

customers or thokk coach jim are: j. r.four people remain in critical condition after a double-decker tour bus crashed... injuring 20... in san francisco's union square friday. a spokesman for the city's general hospital says the status has not changed for the 2 men and 2 woman. 2 other men remain in serious condition... no word on the condition of the minor who was also taken to the hospital. over at st. francis hospital... one man is in stable condition a spokesman said today. the bus raced across two blocks and hit a bicylist, pedestrians and moving cars before ramming into scaffolding. the cause is still under investigation. ap-us--tour bus crash - 4 adults 'critical' after san francisco tour bus crash san francisco - four adults remain in critical condition following a double-decker tour bus crash that injured 20 people in san francisco two days ago. ♪ ♪ it took the rockettes years to master the kick line. but only a few moves to master paying bills on chase.com technology designed for you. so you can easily master the way you bank. e is jamir dixon and i'm a locafor pg&e.rk fieldman most people in the community recognize the blue trucks

civil liberties union, began representing jessica last year as a plaintiff in a class action lawsuit brought by the a.c.l.u. and other groups against "o.r.r.," "immigration and customs enforcement", and the departments of justice and homeland security. >> the notion that a ten-year-old boy from el salvador, who can barely speak any english, can advance the constitutional arguments that trained lawyers who have gone to law school would make, in federal court, is absurd. >> reporter: the plaintiffs say requiring minors to appear in court whether they have a lawyer or not violates the constitution's fifth amendment right to due process. >> we're talking about children who have so much at stake, because so many of them are fleeing such severe violence and other forms of persecution, the government pays for a lawyer to prosecute the child. as a matter of fairness, we should ensure that the child has a lawyer as well. >> the lawsuit is frivolous. it's merely a political stunt. >> reporter: mark krikorian of washington's center for immigration studies, which advocates tighter border security, thinks the a.c.l.u. lawsuit is without merit. >> if you're an american in bankrup

union high school district is assigned to a different safeway in cupertino, saratoga and sunnyvale. what we'll be doing is sending volunteers to these stores. and they'll be handing out these flyers. and as customers walk through the store, they simply ask them to take one of these and take it to the cashier. and all they have to do is present this and purchase it for $10. and what this does is buys a prepackaged bag of food that it donates to the second harvest bank. and, you know, this is really convenient because they don't have to go and buy a bunch of different types of food. this is all prepackaged. >> predetermined, huh. very good. give us an idea in terms of why you are participating, why it's important for you, especially through fbla. >> yeah, well, i think that in the sense, business is about helping people. so fbla chapter, we really emphasize this and we think that it's important to give back to the community, to help those who are underprivileged by helping serve them and helping in this particular event by getting food for them so that they can enjoy a good thanksgiving. >> i guess for a lot of you, and especially the two of you in the back row, we were talking earlier about trying

union square bus crash investigation. what eawe've learned from the inspection records of the company's other buses. >>> and the enchanted pre-owned vehicles... and exceptional customer service, head to your neighborhood enterprise car sales and let the people who buy more vehicles than anyone... flip your thinking about buying your next one. announcer: if you'd give thanks for a bette[barks]'s sleep... sleep train has just the ticket. [train horn blares] throget three free giftskend with selected mattress sets! save up to $300 on beautyrest, posturepedic, serta, even tempur-pedic! plus, get up to four years interest-free financing! but sleep train's thanksgifting sale ends sunday! ♪ sleep train [train hor ♪ your ticket to a better night's sleep ♪ >>> the 13th annual san francisco turkey trot is still on for tomorrow morning despite a setback. a parked rental truck with thousands of souvenir t-shirts and cases of refreshments inside was stolen. abc 7 news reporter david louie explains how you could help save a thanksgiving tradition. >> reporter: it was parked right here in san francisco's richmond district. here's what was inside. 2,000 t-shirts, 3,000 bottles of re

customers $2 billion. scammers often target pumps furthest away from the attendant's view. >>> metro, you may soon see more improvements on your metro ride. your local riders union will hold a forum with metro's new leader. this after a productive meeting with the new gm last week. he's now invited to address union members and get some feedback from metro users. the union is pushing for improvements in service, reliability and safety. meeting will be held next month. >>> it is 5:49. a 1-year-old girl in the district received a life saving gift on her first birthday. a living donor who was practically a stranger gave baby natalia part of her liver. it was a daughter of the baby's mother who donated part of her liver. 30-year-old diana rotter heard about the baby's need for a life saving liver transplant and stepped up. dr. thomas official fishbyne did the transplant. >> you have a baby that will not survive much more than a couple more weeks probably. >> natalia is in the hospital but is doing well. her family says this will be the best thanksgiving ever. >>> 5:50. you take another look at the current temperatures this morning. wide range, low numbers really, thi

customs and border protection. federal agencies with broad authorities and responsibilities. although you have the european union, you have sovereignty issues with each state. it is challenging. very challenging. i'm not the best qualified person to speak to that. i am more the operator level. one of the things we look at in the coast guard are the push and pull factors associated with migration. look say to africa, where we are engaged through africanraining teams, navy and coast guard partners coming to the u.s., what i would say, maritime governance. good maritime law enforcement. search and rescue. port security. --we can help so secure in sub-saharan african coastal states with development, trade, safe and secure marine won'tortation, maybe they feel the need to leave their country. i will give one example. state, itan coastal has historically had a lot of illegal fishing going on. of effects that had. the country was not receiving the revenue for fishing licenses. it was illegal fishing. they lost the revenue. their local fishing fleets were unemployed or underemployed. they couldn't get to the fish stocks

customers a very good value for their money. we have product that is of a very high standard and at the same time fortunately we do not have unions who control how we run our business. as simple as that. >> reporter: so the ceo of qatar airways as well as tim clark, they're refusing to back down here. as you can hear behind me, this air show is just heating up. >> how appropriate, the roar of the thunder from the big jets. thank you so much. hadley gamble live from dubai. >>> we're going to go to break here. still to come on the program, "saturday night live" ratings turn up as trump turns up. donald trump making an appearance. we'll take a look at what he got up to. we'll leave you with a look at how futures are trading ahead of the open on wall street today. when the flu hits, it's a really big deal. the aches. the chills. the fever. an even bigger deal? everything you miss out on... family pizza night. the big game. or date night. why lose out to the flu any longer than you have to? prescription tamiflu can help you get better 1.3 days faster. that's 30% sooner. call your doctor right away. and attack the flu virus at its sour

union callsn crew for three more days of strikes through friday, saying it was considering lengthening the walkout. 100,000 customersill be affected today. portugal's prime minister is been forced froom power, less than six months after the election. the socialist formed a majority to reject his plan. the socialist leader antonio back someges to roll of the austerity measures. let us get more on that. joining us now from lisbon, good to have you on the program. on the vote yesterday, how would it actually take to get a new government in place? i understand a lot of power is in the president's hand? reporter: that is right. there is no set timing in the constitution for this part of the process. the president gets to set the timing. he does have wide discretion on what happens next. and he does have to meet each of the parties before announcing a decision. like you said, the socialists say they can form a minority government. the president cannot -- he cannot appoint a socialist p.m. or he could allow the caretaker capacity for longer. he cannot find the prime minister elsewhere, but one thing to keep in mind, no ear

customer between 7:00 and 11:00 this morning as long as supplies last. >> where is the closest taco >> we have to find that. >> there is one in union square. >> penn station. thanks, carmen. cloudy skies. this is good visibility. this is in astoria. low visibilities here. temperatures around 60 around the park to 51 to new city. we are going to be looking at temperatures today that warm up to 70 and a record high tomorrow when we hit 75. >>> traveling across the ed koch, 59th street bridge leaving queens going to manhattan, not doing badly. we will head to the maps and tell you the bayonne bridge is a different story. northbound side there is a debris spill. if you are leaving staten island up to bayonne, a debris spill. all lanes are closed in both directions as they try to clear the debris spill away. new jersey transit speeds reduced to 45 between exits 4 and 12 because of the fog. >> contact your carrier if you are leaving newark, j.f.k. or picking somebody up. alternate sides are in effect today. mass transit so far so good. ken and lori, over to you. >>> still ahead, fog is suspending the search for more clues following a deadly plane crash in queen

coast guard, having customs and border protection, having federal agencies with broad authorities and responsibilities. but although you have the european union, you still have the sovereignty issues with each state, if you will. so it is -- it's challenging. it is very challenging. and i'm not really the best qualified person to speak to that. i'm nor of the operator level. one of the things i look at and we look at in the u.s. coast guard are the push and pull factors that are associated with migration flows. and so when we look, say, to africa, where we are engaged through coast guard mobile training teams and african navy and coast guard partners coming to the u.s. to do coast guard training, and really what i would say maritime governance, it is through good maritime law enforcement, through search and rescue and port security. because if we could help, say, sub say hairan africa coastal states with the economic development, which maritime trade and in a safe and secure marine transportation system affords them, then maybe they won't feel the need to leave their country. and i'll just give one example. there is a west african coastal sta

customers to pay for licenses. >> u.s. investment bank morgan stanley warning that a british exit from the ear mean union could push us into a recession. so recession, is this the first time we have heard that concern? >> this morgan stanley report is saying that it could be a big negative impact saying in 2017 growth forecasts could be halved below 1% but they do say that might be a temporary move. they put the chance of this brexit as we call it in the u.k. a british exit from eu at about one in three. they take that from the betting markets what the odds currently imply but another gauge of how likely this is is a recent poll by the polling firm in the you can ugov who said the chance for an exit is 40% versus 38% for staying in. st. paul in june was a 6 point doctor difference in the other direction. >> is this why mark carney was was as i wish as he was about his discussion about monetary policy. >> it pushed the pound down by -- i don't think that's related to brexit immediately, i think there's inflation pressures in the you can and that's linked to the weak euro. what we're doing is importing deflation from the eur

customer relationships and our economy were threatened. this was the result of a prolonged contract negotiation between the pacific maritime association and the international longshore and warehouse union that ended february, 2015. just how serious was the impact of these prolonged negotiations? one example from my home state provides a clear illustration. our apple growers in washington state were faced with an estimated $100 million worth of apples that they could not sell, and other stories can be told about multiple types of produce and products including hay and potato industry in washington state. in fact, mr. chairman, i was in malaysia and singapore during part of the slowdown, and the complaint in those two countries was they couldn't get their potatoes and especially they were upset they weren't getting their washington state potato -- french fries -- excuse me. so this did have an impact across the globe. this wasn't just the united states economy impact, it was a global impact. in fact, the ships coming from those countries to the west coast were slowed down to 8 knots hoping this would be resolved by the time the ships reached the west coast. this amendment simply requires

union. they had a great deal of income volatility, they have the ability to manage that, tax time, accounts deposited, lives and income, on a reasonable basis. access to the financial system, respectful customer service, lessons learned from the heyday industry. they bring folks in, they know them, they drink and like they're the best friend. customer service, they did a survey awhile back that said even middle -- people of color of leaded banks because they felt they were not treated with respect so training people with respect, went into the -- getting to know and yes. marketing through channels that will be received by residents, radio stations and communities, and i love npr and classical music but my members listen to different things, different things, really going to wear your market, where this market is going to hear you and i can't emphasize enough the importance of diversity, management, staff, these financial service providers, we are not where we need to be and we will miss the mark if we don't diversify decisionmakers and the people who interact with the markets. >> i agree wholeheartedly with everything my fellow panelists have said and another point is i mentioned it is fully