brian nichols wrote in, banks are like children, when they are not looking, they will be destructive. >> they are simply reacting to the incentive structure they have been given, same problem with any bubble. don't forget to tweet us more. @cnbcclosingbell. we will reveal your answers later on in the program. meanwhile, apple apparently in hot water. why investors should be reading up on the potential black eye. >>> plus, do investors create value. we'll hear from the two biggest names on the apple front. we'll be right back. stay with us. what you had been . you know, working, working, working, working, working, working. and now you're talking about, well you know, i won't be, and i get the chance to spend more time with my wife and my kids. it's my world. that's my world. ♪ introducing gold choice. the freedom you can only get from hertz to keep the car you reserved or simply choose another. and it's free. ya know, for whoever you are that day. it's just another way you'll be traveling at the speed of hertz. but proven technologies allow natural gas producers to supply affordable, c