we had a class earlier on where theory thatout the had developed currency that was fully articulated by dick cheney and others. those early decisions, congress gives bush a blank check in authorizing the use of force against anyone who was associated with those attacks, or anyone who might attack us. bush is going to take that as justification for later actions that are going to become much more controversial. the decision urged upon him by his advisors. to link al qaeda, the taliban, afghanistan to iraq and saddam hussein. early on in cabinet meetings, right after the 9/11 attack, bush read chapter that. but by the time you get to 2002, suddenly bush is leaning in the direction that we are going to deal with saddam hussein. you have a year and a half of discussion about whether to go after saddam hussein invaded iraq and bush signs off on that. and of course weapons of mass destruction. we talked in another class about how that story turned out. with the invasion of iraq you have occupation. go back and read newspaper stories about what an ministry of officials were saying at the ti

we took thatout at schwab, we don't have any bounced checks, no nuisance fees, all that stuff is gone away . thanks willdo some of that stuff , actually but everyone ispretty familiar with gotcha fees . >> it in the auto industry is the format. or the nuisance fees of buying a car. >> you just eliminated probably the most famous in the history of the brokerage industry which is the brokerage commission. >> we were on that dissent from the earliest days so my hope was that we would eventually get there where we had enough other business area and it's sort of in many respects it would be analogous to google in some ways. that search is free. but then you use other services along the way. you buy some of the products and do some of the things and don't worry about it, we're not going to do what they do advertising your information to sort of set you up for these differentpurchases and so forth . but we have mutual funds and we have a bank and people borrow from us and we have a lot of different ways that people use us and so commissions we took tozero . so it makes it really very conveni