banks seized a record milli and aalf propertiesuring the rst six monds of the year, acrding to realty track, a quarter of the nation'sforeclosure fings were in california. many housingcounselors and homwners say that working out loan modificatio can be frustrating and oftentimes fruitless. >> so this will belike the fourthime we fax it over. >> it can be a long drawn out process, it takes a lot of dedition and being stubborn. >> reporter: at los angeles neigorhood housing services, counselors help homeowners niche with leners. around the coury, government funded agencies like this one ofr free assistance. counselors say thathings aremm graally picking up, but delays have beenignificant. >> w canubmit their information,the lenders tell me direcy. in theory it wou take th maybe 45 to 60 days to proce th information. in reality it's more like 120 to 150. >> reporter: banks modify loa by either lowering interest rat or retching out paymes. rarely dothey low the princil, the amount owed. enders are posed to redu monthly pments to no more than % of a boower's income. in exchange the governm

chance in a very wa place th the fed funds rate wi be raised from its zero to .25% range this mont or, acrding to jim o'sullivan of u.b.s., anytime soon. >> most likely they'll reat the nguage, indicating that the funds rate'soing to stay exptionally low for an extended period. in addition, we uld expect the woing to be a bit more optimist sounding on the outlook for growth. thiss consistent with the idea at the economy is improving slowly. which brings us tohe second answer: bo traders are antipating higher rates as soon as the fourthuarter. but bob bruscaf fact and opinion economics says we wi not read that e fed believes the crisiss over. >> once the fed go for business as ual, then it needs to start takg out the excess reserves, getting tes back up into more neutral framework, d that's where i don't think we are y. as to thfinal question, the future of thchairman who has taken lot of political heat in recent months inashington. wall strt will get no information whatsoever ithe fed atement, and be left guessing as to his reappointnt chances. >> it's certainly being taed about, and i think i

acrding to the rvey, 76% of those economists donot believa second stilus package is necessa. saying the economy is now beginning to recover. stead, they say the u.s. government should cut spending ov the next two years. scott gurvey has details. >> rorter: the economists poed were generally supporti of currentiscal and monetary policy. but guard about prospts for the fure. fo out of five say e governmenttimulus programs have add to g.d.p., but ree out of four don't believe a second stimulus package is needed. on economist think the current imulus package is enou. >> we've only aocated... we've allocateless than a third of it. th administration desned is thing to be a time-release caule. expecting that expeitures wod go onnto 2010 and continue to give som support to the economy. so ia way we ve a sond stimulus packagelready in the books. >> reporte whether or not it is needed, oneconomist believes more stimulus is somethingpoliticians will be unable to resist. >> i thinkhere's a very good chance thawe will ge another stimus package i don't thinit's going to be ywhere near as l

acrding to "politico,this is fr somebody who go ove $200,000 from inrance compans. >> one thing that noby mentions i that the insurance companies have an anti-tru exemption you cannot tk to doctor osmall business insurer who is not present with the rates the are going t pay. whether it ishe doctor in liability or the smallbusiness inure who wants to buy for their employees. the insunce cpanies have, unless there is a very agessive relator, they have -- i was about to use an expression that e should not use on television. >> let's try to staon the air. >> i will make a prediction -- there ll be a health bl. it will ther be a larger health bill that as of strucre and everything, or a moreinimal health bill, but in e end, there will be a t of changes in th way medical care is in short in th country. >> charles says i is health surance reform, iyour column. >>es, i don't ink it wille thearger reform. nobody uerstands what ama says whe he ans health care reform. it has 1elements of strucral reform. a lot them will not hapn. ut mark is rht - democrats understand that if the president is de

my molecules change in me acrding to how hpy i am and ether... and my crtivity gets.ll the elements that make me ve what i do and ma it sort ofappen effortlessly. and when it... wn that doesn't come easil, i don't really have a bag of trick to go to or a method, you know? i don't. so i come unmoored. and part ofhat is a very good thing,because you have to reassele. nobody kno what i'm talking. >> ros no, we do. >> actors do. >> rose: no, no, no and... >>o it's very good. you ha to start blank and figure out how to bin again. how to begin again. it's very good. >> rose:ow are actors different th the rest of us? >> well, they ve a zenife. it'sverything... it' very uncertain. and all les are uncertain, but acto know it. d actors... because you're unemployed so often. d you live so intensefullyhe ments that you are wking that wnou come back to earth and lk around and that balon has gone andthere's no other one on the horon so y live where you are. i think actors live exactly where ey are. the real good on. and that's why they seemind of crazy. >> rose: well,we should a be