consumer advocates like michael calhoun say a single point of contact is a big step forward. >> if you are trying to get a loan modification, they have got to have a live person who has knowledge of your loan modification that you can talk to. because lots of people send in their documents, and then they talk to someone that they've never talked to before who says, "we never got your documents," and they start all over again. >> reporter: calhoun hopes the agreement between goldman sachs and state regulators will provide a model for servicing standards that could push forward national settlement talks now under way between states and the country's biggest banks. in the next month, calhoun expects those talks will either succeed in resolving the robo- signing mess or they will blow up. >> there's still a cloud of uncertainty over homeowners. there is a little bit of light there that we are making some progress, but it is far from settled whether these other really critical things will get resolved and whether they will be resolved soon. >> reporter: and removing that cloud of uncertaint

. >> sarah calhoun traveled from a tiny town in montana with plan. she's not at the st. francis. >> we import our fabrics. >> she is trying to figure out how to keep pants alive. that's her five-year-old business that sells farming apparel for women. it started just before the current recession, so she needs to expand more than waistlines. >> we sell all over the world. >> she is hoping the secretary of state will change her financial outlook. >> with secretary clinton here, it's a fantastic opportunity to really see what is happening in the world. >> mrs. clinton will take to the stage at the economic corporation or apec tomorrow and cbs 5 has an advanced look at how the white house and state department plan to put women in the forefront of imports and exports. the secretary of state plans to assert this summit might make the history books. by giving women access to capital to encourage entrepreneurs and reforming legal and regulatory systems to open up financial services to women and with asian markets accounting for 60% of global trade. >> numbers of i don't know how

. >> reporter: sarah calhoun traveled from a tiny montana town with a plan. >> curves not fit very wellsquarepants. >> reporter: she's not pitching a new weight loss program. >> we import our fabric from india. >> reporter: instead she's trying to figure out how to keep red and tans a live, her 5- year-old business that sells farming and construction apparel for women, but it started just before the recession, so she needs to expand more than waistlines. >> we sell all over the world, but it's one pair at a time. >> reporter: she's hoping the secretary of state will change her financial outlook. >> with secretary clinton here it's a fantastic opportunity to really see what's happening in the world. >> reporter: mrs. clinton will take to the stage at the asia pacific economic cooperation or apac tomorrow and cbs5 has an advance look at how white house and state department plans to put women at the forefront of imports and exports. the secretary of state plans to boldly assert this summit might make the history books by giving women access to capital to encourage entrepreneurs and reformi

mike calhoun at the center for responsible lending says the one-time fees add up and in some cases consumers can find they are paying the equivalent of 300% interest. >> these loans almost always push people deeper into a financial crisis. they take a short term financial problem and turn it into a long- term crisis. >> reporter: the banks we spoke with warn their customers these loans are expensive and all of them limit the amount customers can borrow each month. those who borrow too often are subject to a cooling-off period. >> we can't pretend that there are some people who don't sometimes need small dollar loans. this is an innovative, creative way to address the needs of people who need short-term loans and yet provide the safeguards so they don't get into a cycle of debt. >> reporter: we found plenty of people asking questions on internet message boards about these advances. wenceslao patino was one of them. he says his bank offers a better deal than a payday lender, but after six months of taking out loans. he's already racked up $220 in fees. >> honestly, i don't see myself getting o

it is arguable and some of his contemporaries argued it madison, said representative john calhoun, lacked the commanding talents. but he was not by nature an executive. but that morning he was the chief executive and commander in chief. war was five miles away. and he rode to meet it. he and rush took the road which is still called bladensburg road, overtaking american units as they went. after an hour in the sad l, they came town a hill alongside an or chard and towards the bridge that led to bladensburg main and only street and it brick houses. an american horseman waved them back. the president and the attorney general had ridden ahead of their own front lines. the brush already already -- british were already entering the towns. winder and armstrong were posted on the hill they had just ascended. madison and rush rode back toward them. it was now about 1:00. there were 7,000 americans on or near the field, a mixture of militia and be regulars, plus 500 sailors who were still marching with cannon from the navy yard. more than enough to beat back the british the they were well positione

calhoun, for instance. henry clay is more talk about, written about, focused upon that some of the more prominent political figures. >> we spent time talking about his basics and have not really delve into his position about slavery. explain to us what his philosophical and political positions were about slavery. >> philosophically he was against the idea of slavery. for his time, he would of been considered extremely liberal and he was touted as a liberal. he did not believe in slavery but also did not think americans could survive in america as citizens -- african-americans could not survive as citizens. it became his platform that he stuck to throughout his presidency -- throughout his political career. he never did deny the fact that he thought african-americans should have their freedom. he just was not willing to risk the political damage anti- slavery could do to his political career and to the country. >> he was a slave holder and that caused him great grief all his life. had he taken one side or th

. -- calhoun. >> robert coratolo. jr.joseph hickey, a ju >> and my hero, my amazing and loving brother, i love you and miss you tremendously. you are always in my heart. god bless you and all the souls lost. god bless america. >> and my beautiful daughter. we trust that the time between this is not that long. we are after rod just a few sleeps away. please continue to watch over us all. especially your grandmother and aunts and uncle's. bless all of the families. it has been a long 10 years, everyone. >> irwin erker. >> robert causey of. --fazzio. >> paul stuart killed the. --gilby. >> our third joseph jones. -- lisa king johnson. >> and my dad. we all love you and we will never forget you. >> and may your memory rest in peace, always. and i want to thank our lord and savior jesus christ and almighty god for our presidents barack obama and george bush, our police and firefighters, who wake up to try to give a bright future to america. employees protect our troops in iraq and afghanistan. >> georgia yannis. >> robert m