to behink he is trying careful in how they put these roles together. they doubt back some of the things like a minimum down payment or credit score. that is why they're getting a little pushback from consumer groups. they try to thread the needle with rules that would prevent a repeat of the subprime crisis without trying too much to restrict credit. it is not as much as the original proposals. not as much as what people were calling for four or five years ago. >> what does it mean for a consumer? will not seest anything different. they could be some changes for people on the margin. people go in and try to get a mortgage. with a pretty high level of debt. interest only will be harder to get. there are legitimate concerns about whether it will restrict credit. over the next year there will be a lot of pressure from congress on that issue. community banks. credit lenders. they are raising all kinds of issues. is going to look at the data. >> he knows of the consumer is better off after the creation of his agency. our consumer saying that? feeling the co

behink everything needs to put on the table. this is a very comprehensive peace that we have to look at. we can see the violence that is occurring among you. even mothers pimping their daughters, sons. having sons go out and rob stores on their behalf. there is whole slew of things is not justere that this easy cookie answer. >> i appreciate your comments very much. again, what we have to get creative about is just that question. what is happening in that home and with that parent. what is happening with the child? where and how are we setting the household up for success? the adults in the household as well as the children. that is what this report speaks to. there are some great programs and ideas out there that are happening now on a smallest hero. i want to make sure we have access to those. that is great. because he had been so ambitious, we have tried to put a lot of things in. we're going to have to wrap up. what i'm going to do is make sure that the various presentations in some way are circulating around to the committe

to behink it is going about compensation. we know he has been aggressive in terms of numbers. going to keep an eye on the business. a big rates business. litigious activity against city is not anywhere near the peer group. number,an eye on that but that is very much going to be the focus at citi. compensation, and the investment banking side as well. we know they're remortgaging business in the u.s. is coming to an end. we are moving into higher rates. higher interest rates could be an issue on the fixed income side. back to you. >> things for the latest on one of the top stories we are covering. that aill be covering great deal. we will break it down and analyze what it means. what else is on our radar? amazon employees will not be forming labor union. they voted to reject the initiative. unhappy amazon engineers petition to form a union with the labor relations board. the company behind cartier saw weak demand in china. >> and the man behind the vacuum cleaners is often unpredictable and sometimes agonizing. that is innovation with charlie rose. >> it is something that could

behink the focus should protecting us from violent criminals, and not arresting people for using somethingat is objectively less harmful than alcohol. host: mr. kevin sabet? guest: i agree with you on a lot of those things. we need health interventions. need them.do not it depends on the level of their use. you and i would agree that we should think about our resources for arrest, but you are basing those numbers on arrests, when it is imprisonment, jail, and other things that cost a lot more money than the arrest, and when you say half of the arrests are for marijuana, and that is because 95% of illicit drug activity is marijuana. it is very small, the number of people using heroin, cocaine, etc.. percentages, the numbers for trafficking, people in prison, not arrest, and i would agree with you on the imprisonment,ut we're talking about other drugs. the issue of criminal gangs, we know it is around 20% or less of revenues to mexican criminal organizations come from marijuana. it is not the vast majority. -- it is a significant percentage. i happen to believe we still have an underground m