the moderator is charles harwood. he's the deputy director of the bureau of consumer protection with the federal trade commission. the panelists are lois greisman, associate director at ftc, andre birotte, the united states attorney for the central district of california, richard goldberg the assistant director of the consumer branch in the civil division of the department of justice, ed mierzwinski, program director with the united states public interest research group, known as pirg, and peggy shanks is a senior examiner of the maryland attorney general. with that i turn it over to chuck. >> thanks, mike. as my panelists take their seats here, i'll begin with an observation. who among us hasn't at one time or another thought, gee, wouldn't it be great if i could go out and start my own job? maybe it was a fleeting thought but i suspect if if we tack a poll of consumers many of them think they have within them some place the ability to make it on their own, to start their own business. to at the very least go out and

moderator is charles harwood, deputy director of the bureau of consumer protection with the federal trade commission. analysts are lois greisman, and division marketing practices, andre birotte who you heard from earlier, united states attorney from central district of california, richard goldberg of the consumer branch civil division of the department of justice, ed mierzwinski, consumer program director with united states public research interest group also known as pirg and peggy shanks who is senior examiner of the maryland attorney general. i turned it over to chuckle. check. >> who among us hasn't that some time or another thought wouldn't it be great if i -- it was a fleeting thought but if we took a poll we would find many think they have within them some place the ability to make it on their own, start their own business, maybe not the next bank but they will do something that will make some extra money. in many instances it stops right there. consumers think -- it pretty much stops at that point. in times of financial anxiety when people are feeling anxious and uncertain i suspe

moderator is charles harwood and bureau of consumer direction but the federal trade commission. the panelists are lois lois greisman at ftc, lois greisman here for further earlier, united states attorney for mr. to california, richard goldberg assistant director of consumer branch and civil division of department of justice, at mierzwinski director with united states public interest research group, also known as pirg and peggy shenk, senior examiner at the office of maryland attorney general. so with that i turn it over. >> thanks, mike. [applause] >> by my panelists take your seats here and i'll just begin with an observation. who among us has a one time or another type g, wouldn't it be great if i could go start my own job. maybe he was only a fleeting thought, but i suspect if we took a poll we would find many things they have within them someplace the ability to make it on their own to start their own business. she may be at the very least go out and do something that will make them a little extra money. in many instances the substrate they appear consumers think it would be

the moderator is charles harwood , deputy director of the bureau of consumer protection for the federaltrade commission. the panelists are lois greisman come associate director and division of marketing pact says that ftc. andre birotte new york from earlier for the central district of california, richard goldberg, assistant director of consumer branching civil division at department of justice. ed mierzwinski, director for the united states public interest research group are also known as pirg and peggy shanks. so with that i turn it over to chat. >> thanks, mike. [applause] >> i'll let my panelists apcs here and i'll just begin with an observation. who among us hasn't at one time or another thought she, would it be great if i could go out and start my job, maybe was only a fleeting thought, but i suspect if we took a pool of consumers who would find many things they have within them someplace the ability to make it on their own, to start their own business, to maybe the next banks, but the very least go and do something and make them a little extra money. in many instances, his stops

its's moderator is charles harwood. deputy director of the bureau of consumer protection with the federal trade commission. panelists, lowe's grismanftc. aunled draw birrotte, united states attorney from central district of california. richard goldberg, director of the civil branch much civil division of the department of justice. ed mirs ask. y program director with the public interest research group, also known as iprg. dep by shanks, officer office of the maryland attorney general. and that i turn it over to mike. >> thank you. >> fellow panelists take the seats here and i begin with an on vision. who among us hasn't at one time or another, thought, gee, wouldn't it be great if i start my own job. maybe it was only a fleeting thought but i suspect if we took a poll of consumers we would find many of them think they have within them someplace the ability to make it on their own, to start their own business, to maybe, won't start the next spanx. but maybe go out and do something that will make them a little extra money

the moderator is charles harwood, the deputy director of the bureau of consumer protection.he panelists are lois greisman. andr birotte, the united states attorney for the central district of california. richard goldberg, the assistant director of the consumer branch of the addition of justice. a consumer program director of the u.s. public interest research group. also known as pirs. also a senior manager at the office of the attorney general in maryland. [applause] >> i will let my panelists take their seats. i will begin with that observation. who amongst us had thought, would not be great if i could start my own job? maybe that thought was leaking, but we took a poll, we would find many of them think they have within them someplace the ability to make it on their own. to start their own business. maybe they will not start the next spanx, but they will do something to make them extra money. in many instances, that stops right there. consumers think it would be nice to have their own business, but they stop at that point. in times of financial anxiety, when people are feel