february you can take an expedition to new zealand with adventurer peter hillary, the son of edmund hillary lots of good stuff coming up .?'s on your seat for mister schwab that will be brought to our moderator, write your questions early and often and make sure they are questions,try to make them as legible as you can and we will try to get to as many as we can . signed copies of his book are on sale after the program. without any further review you get a warm welcome to charles schwab and adam listen see. [applause] >> what a crowd. i'm going to hit the gavel in a moment but before i do i'm going to reiterate that i do discriminate in favor of legible questions. so you been worn on that. this is one of my favorite parts ofdoing the commonwealth club event . i can hear you. welcome to tonight's meeting of the commonwealth club. i'm adam listen see, executive editor of fortune and your moderator for tonight's program. this program is part of the commonwealth club epic and accountability series, underwritten by the travelers family foundation with additional support from the bernard osher fo