the girl with the pearl earring here in san francisco feet atures 35 paintings characteristic during the dutch golden age. after the exhibition closes in san francisco it will travel to the museum in atlanta and it will go to a collection in new york. perhaps the most famous of the works that has traveled to the united states is a celebrated masterpiece girl with the pearl earring. it is this painting. we set our scene in holland during the dutch golden age this span of the 17th century where trade, industry and science were among the world. the one small port of amsterdam were one of the commercial centers in the entire world. this concentration of capital enriched bankers and merchants but also created the society in europe. the arch of the dutch golden age. 17th century travelers visiting holland remarked on the number of artist. typically western european artist on the monarch and the nobility as well as the very wealthie catholic church. an open market to a wide clientele that arranged from variety of merchants. it displays a modern domestic rather than extravagant or royal sett

and if you look at the activity the cranes until the air the hospital building activity the activity ature ports and airports and hospitality sector the booming tech sector and all of the future plans, think about the changes that will happen in the next 14 years and each of these cities and in our region so we are going to hear a little bit about the future and some of the priorities and what the outlook is into this coming year and we are really delighted to have awful you here with us this morning. i think there is more than 600 and we are glad that you gathered with us. our tradition at this event is to alternate between the two cities from year to year and last year we hosted the event in oakland which, is why here here in san francisco this year and is to mayor lee thank you for being the host city this year andmary khan thank you for traveling across the bay that very short way to be here in san francisco. so how many of you are feeling optimistic about 2013? can you raise your hand? right? (applause). ism. it just has a feel? it just has that feel it's started starting out at a goo

there is a way for a competitor to note on a credit report consumer has been negatively affected by a aturalisaster like hurricane sandy. if there's anything negative associated with that particular account, because you are focused on something other than credit right now, the score will essentially not allow that account to harm your credit score. so whileyou're focused on getting your life back together, you shouldn't be focused on credit reporting. this is a way to protect the consumer. gerri: common suspicious, but i don't understand why they're doing this. what is in it for them? >> they are a business. clearly theywant to have some of the dominant market share. one way to do it is to build newer versions of the scoring system and outperform this fico score. gerri: you he very little control for te credit scores that companies use every single day to decide whether or not they are going to give you a credit card or a homeowner or whatever. >> that is definitely a fact. the consumer cannot say, bank of america, i want you to use this particular score were that particular credit bureau. s

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