so the idea to have changeha fo change sake is not necessarily fair to the individual involved and it certainly does not help the dynamic on the board level. >> we have seen so many changes out of washington that were supposed to help make the board stronger and yet still from individual investors you hear a lot. what is your assessment? >> i think there are two points. the latest regulations have been help f helpful the ceo is also chaired and leaves the room and the board can have a session. only the board itself without management present. i think it's a challenge to maintain independence and diversity of thought. the key is to have a healthy respectful engagement with independent thinking as part of the dynamic in a board room. >> thank you so much. >> still ahead, four high quality stocks that could perform well over the next year. tonight's market monitor. we will tell you what they are and why they are buys. but first a look at how the international markets closed today. >> the company rolling out a lease to own program in its stores for customers with credit problems. they wil