before the rule has been in effect, they're not a result of fears about atr or cuban. they are a result of other factors. but some of them are response and reaction to the loose lending practices that led to the crisis causing a reaction to some of its because fannie mae and freddie mac have partly under the direction of the conservative, tightened up their underwriting guidelines, restricted down payments, credit scores and that's had huge impact at a time and housing expenses are really at historic lows. interest rates being low, house prices being dropped. a missed opportunity that is not at all a result of these requirements that are in dodd-frank or the cfpb. i think all of us need to now turn our attention away from focusing on this regulation which i think they got plenty right in focusing on these larger issues which will play into the ragged because of some of the differences between loans that don't meet the high price limit, because they been loaded up with fees that my estimation and i think that many others are superfluous and to hide under denying credit

and atr give guidance on that but it is an unfinished book. we will have to be adaptable and taxable. >> is regulated at local as well. not all have followed through. >> i would like to ask each of you to give a brief answer. what is the single because revelatory obstacle to have a more robust mortgage lending market? what can we do to achieve a more normal looking balance between first home -- first-time homebuyers? the longer they are there, the better guyon's the more -- guidance the more it will help us even this out. i am sorry. >> they have mortgage and cash buyers. i am sorry. >> we'll move on. >> thank you. >> i think there is not a single one. barriers,multiple some regulatory and some not, that are causing the tight credit conditions we are seeing today. i went into some of those earlier. i think they are the new servicing standards that are imposing additional requirements that make it very expensive when a borrower goes into default and services will tend to avoid that. it is the internal policies of fannie and freddie that have ti

regresando a su mente .con la sonrisa y el optimismo que lo caracterizan mario flores volvio 30 anos atrsia en que una corte en illinois lo condeno a morir a traves de la inyeccion letal. super= mario flores urban/ ex condenado a muerte :20-25 inq=..estoy enfurecido, la pena de muerte no pasa por mi mente, estoy lleno de rabia. con tan solo 19 anos de edad, este mexicano, acusado de haber matado al lider de una pandilla de chicago se convirtio en el companero de hombres que como el agonizaban durante anos en el pabellon de la muerte . en ese pequeno y frio espacio dice, en donde el destino en comun une a los presos... super= mario flores urban/ ex condenado a muerte inq=.en cada ejecución cada uno de nosotros rechazábamos las tres comidas que nos daban , estábamos en huelga por respeto de quien sería ejecutado.. y fue ese sufrimiento y la desesperacion propia y de quienes como el estaban condenados , la que alento a mario a estudiar leyes. dedico dia y noche a la pintura y a los libros,,,partici po en la defensa de 13 companeros que fueron indultados y entrego un pedazo de su corazon a qu

will throw atrs i you. 19 and 24.oters of color is the threshold by which a white can win an election. all three of the democrats who won the elections lost the white vote but were able to prevail because of this coalition. colorado had 19% of its voters of color. this is where the picture comes 25% ofcus there are states that will soon have 19% voters of color. south andin the southwest. arizona, georgia, and texas are the new battleground states. one of the most important races davis'sountry will be run for governor. if the democrats take texas it will cut the legs off the conservative political machine and make it nearly impossible for a republican to win the white house for the next 20 years. lostia, barack obama will only six percentage points without even contesting the race. this presents the best opportunity. these states have 351 electoral votes. 303 congressional states. these states have the power to president and secure control of the congress the hands that once picked cotton and lettuce can now pick pres

for the left this is one more way to say we will allow all various religious atre or certain tattoos. breaking down this evil institution of our military that the left hates reduce stop? to get to where a hat or a robot or a cross? how would that go down with the obama crowd? lou: we willnever find out. thank you for being here to give us your insights. thank you so much. up next first it was targeted customers now for target employees and the president's health care is to blame for that. next. lou: target announs plans to drop health care coverage for part-time employees because of obamacare going into effect april 1st offering a five and a dollar cash payment to those losing cat -- access to benefits for growing grain may cause concern for those of us on the road to an animal levin sub compact cars feeling a new safety staard for french and collisions the only one to spurn the second-highest acceptable rating got the lowest rating and that is not good news. turning back to the market's the stocks finished flat in here to give us guidance is moody's capital chief economist. john, a g

vp atr clo is a former twitter and is focused on partnerships. i.e. thinking about potential partnerships down the line? how do you turn this into -- are you thinking about potential partnerships down the line? had you turn this into a research business? there's a lot of opportunity. it has been proven that is a good business to be in. get -- itwant to sounds strange to anyone in the this world, but it is kind of cart before the horse when you are dealing with this business. you need to build up the base and prove that there is value before you can really begin to think about how you want to offer more value in the form of revenue generating product. off.e holding we think there's a lot of opportunity in the search space, mainly because there is intent. when someone comes to jelly, they want something. and there is usually someone else who wants to get their attention. more after this quick break right here on "bloomberg west." also, the conversation with microsoft chairman bill gates and bloomberg lp founder mike bloomberg. ♪ >> welcome back. i'm emi

today atr discussion 7:00 eastern here on c-span.mht at 9:00, highlights the second season of c-span's original history series, "first ladies -- influence and image" which looks at the lives and impact of first ladies. tonight, edith roosevelt to rosalynn carter, including newsreel footage, archival video clips, on location tours of homesteads and historic sites, radio broadcasts and more, tonight at 9:00 eastern on c- span. >> now, a look at the 800 million dollar photo sharing application called snap chat with that company's founder and ceo, evan spiegel. this is 20 minutes. ♪ rex hey. what's up question mark >> not too much. great to be here. >> great to have you, man. it has been a really long time since we talked a lot about six hours. how have things changed? >> a lot going on. do you want a snap chat update question are >> last time we talked, it was like 200 million snaps a day. >> now we are seeing 350 million snaps every day. >> that's a big number. >> it is super cool. sought a 50% lift on android bases great it is startin

we hope you stay tuned to atr those reports. at 5 times greater risk of a stroke.take my warfarin every day. but it looks like maybe we should ask your doctor about pradaxa. in a clinical trial, pradaxa® (dabigatran etexilate mesylate)... ...was proven superior to warfarin at reducing the risk of stroke. and unlike warfarin, with no regular blood tests or dietary restrictions. hey thanks for calling my doctor. sure. pradaxa is not for people with artificial heart valves. don't stop taking pradaxa without talking to your doctor. stopping increases your risk of stroke. ask your doctor if you need to stop pradaxa before surgery or a medical or dental procedure. pradaxa can cause serious, sometimes fatal, bleeding. don't take pradaxa if you have abnormal bleeding or have had a heart valve replaced. seek immediate medical care for unexpected signs of bleeding, like unusual bruising. pradaxa may increase your bleeding risk if you're 75 or older, have a bleeding condition or stomach ulcer, take aspirin, nsaids, or blood thinners... ...or if you have kidney problems, espec

entirecan watch the atring in our video library www.c-span.org. span, we bring public affairs events from washington directly to you, putting you in the room at congressional event,s am a white house briefings and conferences, and offering complete gavel-to-gavel coverage of the u.s. house, all as a public service of private industry. we are c-span, created by the cable tv industry 34 years ago and funded by your local cable or satellite provider. now you can watch us in h d. vermont governor howard dean talks about the federal budget and the 2016 presidential elections. he ran for president in the 2004 democratic primary and has served as party chairman. the washington center for internships and academic events hosted -- hosted this event. >> you didn't even say anything at and you are getting applause. welcomeust give a warm and thanks to governor howard dean for joining us today for our discussions and exploring bipartisan solutions seminar. we are looking at three topics in the seminar, as you know, budget, financing the american an energyigra

it was very important the last atr there was an agreement the g7 and the g 20 that has stuck. countries will be hold themselves to the rule that they will use domestic tools for domestic purposes to grow their economy. that is a critically important frame and something japan has to stick to. they need to get their domestic economy growing. long-term growth cannot be rooted in a strategy that turns reliance onoward a unfair advantage because of exchange rates. we have kept an eye on that. we continue to analyze it very closely. as long as they stick though -- to those rules, it is in japan's interest and the world interest for japan's economy to grow. the four big economies of the world, if any one of them is performing subpar, it creates problems that flow well beyond the borders. it.ave to keep an eye on we cannot let it turn from the kinds of policies that are , but it is aoses port and for japan to grow. -- it is in port and for japan to grow. grow.ortant for japan to thank you, secretary. i would like to hear from you from thens learned free trade agreements. there is a lo

no taxes atre were the rates of the affordable care act. this is the biggest tax hike on the middle class in this country's history. with afamily of four silver plan, average age, about .118.84 per month just in taxes can you explain to the audience on how you said there is no care?for obama the caller is mistaken. there are taxes on individuals. primarily it is paid for are the health insurance industry. certainly many people will see their out-of-pocket cost rise. others will see them fall. there is no way to argue there are no taxes in this law. host: cynthia on the line for democrats. .aller: hello i was calling to comment on another callers comment from west virginia. i have a 23-year-old son that ran into the hospital. he was able to get in. he actually signed up for the obamacare at the hospital, which he said was very nice. there were not any problems. a lot of what people say about obamacare has been factual because i experience it where there were not many problems. many people are having positive experiences and signing up in the

no taxes atre were the rates of the affordable care act.is is the biggest tax hike on the middle class in this country's history. with afamily of four silver plan, average age, about .118.84 per month just in taxes can you explain to the audience on how you said there is no care?for obama the caller is mistaken. there are taxes on individuals. primarily it is paid for are the health insurance industry. certainly many people will see their out-of-pocket cost rise. others will see them fall. there is no way to argue there are no taxes in this law. host: cynthia on the line for democrats. .aller: hello i was calling to comment on another callers comment from west virginia. i have a 23-year-old son that ran into the hospital. he was able to get in. he actually signed up for the obamacare at the hospital, which he said was very nice. there were not any problems. a lot of what people say about obamacare has been factual because i experience it where there were not many problems. many people are having positive experiences and signing up in their

>> one of my claims is i have atr i al fib, i had surgery two years ago on my heart.rom a fall out of a helicopter back in the 19 # -- 1990's. both of my knees from rock khraoeupbg, rescue khraoeupblg and -- rescue climbing. >> it seems criminal to get anyone to wait this long to get the treatment they deserve. do you think they'll wait you out hoping you'll give up? >> i do. i think the process is set in place so that you as an individual get so frustrated that you walk away from it. sometimes that' the way i feel. ively like i'd rather not have those -- i feel like i'd rather not have those benefits, that carrot in front of me and go back to my normal life. at the end of the day i have a normal life and i don't focus on this all time. >> the determination you had to be successful for two decades in the military keep you going here because you know you're right. your injuries directly happened while serving our country. i can't imagine a respectable v.a. hospital system that would go through what you're going through and not want to do everything they can to help you