it is citibank new york or citibank hong kong and suddenly a shot at the mall despite space came out. like it had a run on paper. in red across the bottom of the telex paper was john riordan you're one of the ambassador right now. i said i think this may be misdirected. and they said get over here and now. so i got him i got in the car and went over there in the gates of the embassy opened saluted. because the embassy heard of our plans from a private meeting the other two bankers had in the morning. somebody pushed the button and up to the faithful are popped. one more for it to keep the rockets i think. that is why the ambassador was on the fifth floor. i walked into this round and it was not as far back but it is much wider than no-space at the moment and there is this little gray-haired man of the kind of what i look like here. you said here is mr. riordan from smtp saigon and he is going to close his bank and misguided pan am 747 jumbo jet coming in tomorrow and he'll take all of this staff and their families out of saigon and out of the country. i said yes mr. ambassador, those

citibank cna -- excuse me, citibank na citibank north america. that is what is behind the back-and-forth. an agreement could come as soon as may. the fine will probably not exceed $1 billion. this is according to a source priest -- briefed on the matter. but they have not decided on a particular entity to plead guilty and this case. as i mentioned, if there was a guilty plea, it could affect citigroup's ability to operate certain kinds of revenue. this is an ongoing situation. the justice department has been conducting this lengthy probe of alleged currency market rigging. alix: it was not just citigroup. multiple banks have been pressured in the foreign exchange market. do we know anything else about the other banks at this point? julie: there seems to be a trend where the authorities want these pleas to come from larger subsidiaries and push back. jp morgan chase were reporting they would rather have the u.k.-based subsidiary plead guilty. this is according to people familiar with the situation. it looks like maybe there are similar things goin

the women allegedly drove the couple to a center citibank opened a debit card in saunders' name beforecouple go. three more people are under arrest in this beating of a homeless man at a w[z philadelphia gas station. they are all juveniles. that makes a total of six people in custody for the attack. more than two weeks ago. they've been charged with attempted murder and aggravated assault in the attack on robert barnes. barnes' family says doctors think he will remain in a permanent vegetative state. >>> well the company behind the goddard school is reaching out to parents and faculty after the sudden closure of a montgomery county school and daycare. last night parents saw the landlord changing the lox to the goddard school along with a closed sign. parents we spoke with were stunned. >> not only do they have our money, but we also have nowhere to place our children for monday. >>> nbc 10 uncovered a history of legal issues involving the franchise owner, including a bankruptcy filing. tomorrow goddard will open at east millerton schools from 1:00 to 4:00 p.m. to help with enrollment a

those like the citibank employees.hem that's their only way out. >> so the cia told you to take 106 people and treat them all as your family. >> right. not at once but in small groups. >> did you think that was a reasonable plan, a plan that would work? >> it was the only straw that was offered to me at the time. >> and so began treks to the airport with the vietnamese employees in toe. reirden lied on government paperwork making a long list of sons and daughters he didn't have. >> you got them out on 15 trips each claiming they were your wife and children. >> i had one wife. all the rest were children. >> she must have been exhausted. >> yeah. >> remarkably reirden and his giant family were never stopped. never really questioned. all of them got out and just in time. days later north vietnamese troops rolled in and saigon fell. each of the 106 was relocated to the united states where they lived their lives and grew their families. in 2013 "60 minutes" organized a reunion for reirden and the people he rescued. they sti

citibank on california street. >>> police are looking for burglary suspects who pretend to be utility workers to get access to homes. up to four may be involved. police at least three of these happened in late march, all of them nearing the early afternoon hours. >> firefighters put out a good sized fire in the mix district this afternoon. it happened at 12:45 today. this is a photo who says the fire was right outside their home. they are okay. you'll be glad to know. it was a two-story residential building. but one neighbor is concerned about the number of fires recently. recently. >> we were born and raised in san francisco. this is a mystery. >> crews had the flames under control in about 45 minutes. the cause of the fire is still under investigation. >>> we have some good fuse. some great news actually. for a fremont couple following abc 7 news reporter alyssa harrington's story earlier today. it's a stolen van needed by a woman who is quite ill. the van has been recovered thanks to an alert abc 7 news viewer. david louie is joining us now. >> we're sitting inside the van that has

. >>> philadelphia a police resolved a dangerous incident in a center citibank tonight without the need for force. a man pulled out a knife and started slashing a a chair inside the td branch at 11th and chestnut. he then allegedly began swinging at officer outside the bank but in of them were hurt. a brief chase then happened several blocks down to 13th and market where officers took the suspect into custody. >>> we have some breaking news from the northern liberties section of philadelphia, where a short time ago a driver struck three people in the intersection of the fifth and spring garden. it happened an hour and a half ago. two women and a child were rush to hahnemann university hospital with serious injuries. the driver was taken into custody about a block away. we have no word yet, of any charges. >>> philadelphia police after rested a 14 year-old girl for allegedly kidnapping, her one year-old cousin late today in kensington. live at east detective headquarters is "action news" reporter dann cuellar, dann, what happened here. >> reporter: welshing jim, police are calling this a

guest: to my knowledge, citibank is not involved in payday loans.y are involved in credit card processing, and the caller is alluding to the fact that there is a lot of data processing that takes place in south dakota from citibank operations around the world. there are no plans at the federal level to somehow change state laws on payday lending but a good way to think about what the cfpb is proposing on payday lending is that these are, kind of, baselines of what they would call important consumer protection, and states are free to add to the protections that they offer, but they cannot subtract, water things down. host: this chart was put together of state payday loan regulations and usage rates. those that offer loans at 320% interest rates or higher. nine states fall into that category. restrictive states have no payday loan storefronts. 15 states fall into that category. so, there really is a wide variance in how states address this issue. our next caller is charlotte from tallahassee florida, on the independent line. charlotte, you have taken

bank last monday citibank thursday and bankamerica on tuesday. he pulled out a knife into those robberies the man described as being in his '30's and '40's about 6 ft. 2 he might also have tattoos on both arms. >>reporter: unspecified reward is being offered for information leading to an arrest. >>reporter: recounting a pretty good shape when it comes to of the drought the reservoir to tidewater 94% capacity 2% more than a normal amount this time of the year good news but is not stopping the district from imposing some new rules for all residents to allow the use of water filled with additional water director says no more warming yards with drinkable water with a range or for two days after it rains and no more warning yards more than three days a week. they're ready had ruled between 9:00 a.m. and 7 and at the new was rose to the effect immediately. >>reporter: the city of mountain view has been commended by the state water board putting in a good job for conserve water the city has cut back 15% over the last year saving about 600 million gal. w

>>james:police say the robberies happened at a u-s bank last monday.a citibank last thursday and a bankof america on tuesday. >>james:they say he pulled out a knife in two of the robberies. >>james:the man is described as being in his 30-s or 40-s.and around six foot two. >>james:he may also have tattoos on both arms. >>james:an unspecified reward is being offered for information leading to an arrest. >>james:still ahead on the kron 4 morning news. discovering aliens in the universe. >>james:one of nasa's top scientists says it may not be long before we discover life on other planets. >>james:and coming up after the break.video captured on a south bay woman's surveillance camera is calling attention to a security >>james:problem you might have in 'your' home without even knowing it. >>james:in this morning's 'my kron-4 story. ' >>james:a south bay woman shares frightening surveillance video of a man breaking into her home.while she was there alone. >>james:kron-4's j-r stone shows us how the man got in. >>: fired a noise outside my window when i pulled up the camera there was a man stan

some say the best thing that could have happened to citibank is it got -- it wasn't bailed out by the feds and was allowed to sort of break up as it should have been because it had grown too large, you disagree? >> i disagree with the idea that there should be any of the slightest glimmer of possibility that a large bank could fail. or even a medium sized bank. that is where you get financial crises. the failure of the bank in 1931 was the proximate cause of the great depression. we cannot let there be any thought, possibility in man or woman's mind that there can be a failure of a giant bank. we cannot let that happen. that's where depression come from. let's not let that be on the table. as for sorting out the regulations of dodd-frank some clever bureaucrat wink, wink can figure that out. david: let's talk about stocks americans have been burned several times in the past ten years. first in the dot com crash and of course, in the late 2000s. so do you think that americans are spooked for good on the stock market? is it a terrible mistake they're staying out of the stock market? >>

for me, citibank. citi so much operating leverage.hink people have over done the impact and i know 50% plus of the revenue comes from abroad and to think these guys are not hedging that exposure. people are missing their capital position is far umproved and being more aggressive and gotten some of the regulatory monkey off their back. look, it challenges its tests at 50 bucks a hand going into the numbers, citi is the one. >> do we stick with jamie dimon. >> i'm asking a question. >> some bank. >> not necessarily. >> i think there is always opportunities in these banks. talk about the trading mix. they're absolutely killing it. they continue to have such a great mix. that's why that mega bank still works. i think it can go higher. >> time for pops and drops. big movers of the day. up 5%. tim? >> at a time when the commodities are falling we are seeing businesses outside and doing a couple things, including partnering with accenture. >> any kind of pop you see in this stock. uts going to be weak and it's going to be weak on oil and wea

but now citibank economist came up with the ultimate hit on savers. abolish cash all together.this kind of central bank nonsense we may actually see play out. naomi, excuse me, nomi, this is kind of a logical extension of negative interest rates they have in europe, isn't it? >> well, we have negative in europe and central banks around the world continue to decrease their rates and buy their bonds. so what is happening is, where else can you go but to people with limited deposits concentrating those in the banks. if we get rid of cash, one way to continue artificiality of keeping cost of cash zero if it doesn't exist. david, what you said is better policy have rates on people's deposits actually mean something, be in positive territory. david: that used to be way whole banking industry worked. you put your money in a bank. the bank would lend it out and you get a cut of profits they got in form of interest. dennis kucinich, there is so much about this idea that scares the hell out of me. dollars are more than a economic dream. they represent the work that we have done, the stor

kill citibank. >> that's the "game of thrones" version.hink you had a great quarter for everything goldman does, they smashed it and there's great and there's nothing bad you can say about their performance for a long time. but i think the stock tends to trade based on kind of banking and trading within each quarter which as we know is very lumpy. i think jp morgan wins no matter what. citi, no interest. >> i like the trading environment. think a lot of what you're hearing in from these banks tell you trading is good. >> cme. and how about wisdom tree. >> you want to play volatility, you want to play commodity volatility? you want to play increased trading, the exchange are rocking. i'm long cme for the contest. i think it's a great name. i think anywhere around 90, it's a buy. >> quickly, blackstone, didn't schwartzman tell "squawk" this morning they're an earnings machine? stock up 2% today. >> they sold a bunch of properties. >> doesn't get enough chalk on the show i don't think. >> it's a little sleepy, judge. who else has $23 billion

he did go to the citibank and then went to another small corner store to use the cash machine there alsos there will be an even larger payment once he receives his wife's life insurance settlement. to substantiate his claim, he drops his son off at home and returns to mcdonald's with the policy. >> this was the final nail, so to speak, in the coffin as far as, like, closing this case. >> but his unpredictable nature thwarts efforts to make a quick arrest. >> let's go around the corner. we've been sitting here for a long time. >> with the rest of the support team helplessly looking on, the undercover enters the suspect's mercedes as santosh drives out of camera range. >> i had to get in the car with him at one point this we really don't like to do but i fell like i was safe and in control of the situation. the boss wasn't happy i had to go in the car, but i did. >> he moved out of the parking lot on to the side street and parked basically in front of my vehicle. we have an obstructed view of the vehicle through the camera lens but we had plenty of detectives surrounding the area to watch

after that business firm citibank's threatening the rest of the democrats, we posted a petition on-linem. posted a petition to say we're not going to back down. here's how i see this. we truly put the wind in our own sails. we are the ones who stand up and say no more of this. we are not going to let the largest financial institutions in this consistent run this country. enough of washington working great for those who can hire armies of lobbyists and armies of lawyers. it's time for washington to work for the american people. that has to be what we get out and articulate what we run on what we fight for and what we win on. >> put the wind in our own sails. senator elizabeth warren of massachusetts. great to have you here. we'll be right back. it occurred to mindy she might actually be invisible. ♪♪ but mindy was actually not invisible. ooh, what are you doing? can you see me? she had just always been treated that way. yeah. you don't have to look at me like that. there are worst things than an attractive woman touching your body. i'll go. join the nation that sees you as a priority. ♪

. ♪ lonnie: alix: -- alix: with clients ranging from the gap to citibank sprinkler helped hundreds ofeir online presence like twitter. it completed a $46 million funding round this month and just acquired get satisfaction. the president and ceo joins me now. welcome back. carlos: it is great to be here with you. alix: why does this make sense for you? carlos: the battle for the future with the large brands is really how do you deliver great call it quality experiences for customers? we need to enter into a couple of other areas. one is in the website that is all around doing ratings and reviews. when was the last time you bought something that you didn't check a rating or a review? alix: i have a kid. i checked them all the time. carlos: ratings and reviews really is driving behaviors of what we buy and where we go. we did that and then game of fight it to encourage -- gameified it. people tend to contribute more. the next phase that we were really wondering about was how you do in customer care? building a community that delivers great customer care. it really flips the model around

>>reporter:police say the robberies happened at a u-s bank last monday.a citibank last thursday and asay the "clean cut bandit" pulled out a knife in two of the robberies. >>reporter:the man is described as being in his 30-s or 40-s.and around six foot two. >>reporter:he may also have tattoos on both arms. >>reporter:an unspecified reward is being offered for information leading to an arrest. who escaped in march was arrested >>reporter:in mississippi, a sheriff's spokesman said tuesday night. >>reporter:johnell carter, 40 had escaped from santa clara valley medical center in san jose on march 6 santa clara county sheriff's sgt. james jensen jensen confirmed carter was arrested in mississippi and that the >>reporter: he went to opportunity and took his brother and his sister in law are not on the arrest hollering in bidding a fugitive drive him to the reno where he boarded a greyhound bus and headed to mississippi and to the door is a month but the event recall him when cornered he tried running through the back door but was apprehended a short time later he is being held in mississip

stephanie: where is citibank? mike: citigroup was a d-student moving up to the b minus range.he difference between morgan stanley, citigroup and bank of america is that morgan stanley and citigroup have publicly disclosed targets that the world can hold them accountable to. inc. america does not have one publicly disclosed target that investors can hold them accountable to. that was the root cause of the financial crisis. management's not being held accountable. the fact that we still have that condition persist eight years after the financial crisis is wrong. erik: before we beat up on bank of america citigroup for a moment and back to the conversation about trading. people used to accuse morgan stanley of having an insignificant fixed income business because of the choice gorman made to downsize risk related assets. citigroup is generating a hundred $75 million a quarter in revenue -- $875 million a quarter in revenue. doesn't that make citigroup irrelevant? mike: is the glass half-full or half-empty? stephanie: you brought your own mug? not in our house. try again. [laughte

one of the first apps available to use on the smart watch is citibank's mobile light app which will let credit card transactions from your wrist. the question is will apps such as this help convert users on the fence about buying the watch into hard-core users who can a lot -- who cannot live without it. joining us is heather and stephen. thanks for joining us. let me ask first heather how you came to this partnership and how you decided to be such a dedicated partner of apple for the smart watch? heather: we believe people want access to their own data anytime and anyplace. what better way then trying to approach banking from a glance so the core premise of our mobile strategy is giving you the data when and where you want. when apple announced the watch, we got excited and we moved fast. from idea to having the app in the app store was 120 days. it will give customers access to the transactions they use most balances, recent transactions and we have added a great new feature. we can now do credit card real-time notifications to your watch. matt: i would use it a lot. seems like it wou

they had to save citibank and they had to save the banks, absolutely. accountability. >> you just described a very nuanced approach that would require a scalpel. >> no. i say obey the laws nft united states. the laws say when you go into a bankruptcy, the standard procedure, chapter 11 or chapter 11 7 -- >> the question is whether you could have saved the way you're describing in an environment where confidence was at an all-time low, whether confidence would have been reinspired the way you just described. >> but if you're talking about chapter 7 or chapter 11 you're looking more at gm. >> well chapter 11 -- the laws we had about what's called conservativeship, which is the way you're supposed to handle bank restructuring mean that -- this is standard in all countries, is that the shareholders lose everything the bondholders step in. you only need a government bailout when there's not enough money there with the bondholders. that's the rules of the game. what we did is we changed the rules of the game. >> shareholders got hurt. tell the citigroup share

jpmorgan and wells fargo kicking off tomorrow and citibank and goldman sachs reporting this week, followedstanley. bloomberg's michael moore is here. michael, will this be the quarter when trading finally shows some signs of life? michael: analysts expect a little bit of sign of life here. jpmorgan kicks off tomorrow. they're expected to show the first quarter increase since 2010. it's been five years since we had a little bit of an uptick in the first quarter. we might finally see that. but it's expected to be 2% to 5%, so not a huge bump up. a little progress maybe turning the tide. erik: is this on the basis of weak comps or is something changing in financial markets to the trading environment that makes it more track tive for these banks to do business? michael: you had a little bit of volatility in the macro markets and rates and currencies and you have -- your previous conversation, you have the fed going one way, europe going another. that's caused a little bit more activity in the macro markets, i think that is the biggest thing. first quarter is typically seasonly a little bit bet

global chief strategist at global citibank. still ahead, oil prices and some experts are not sure the valley will continue. we will go through some of the reasons why there might be another oil shock. we will be back. ♪ betty: trading is now underway. we are lower after the worst than estimated gdp numbers for the first quarter. julie hyman has a look at some of the early movers, including lumber liquidators. julie: it is on the movers list again. the stock having the worst day since about march 2. the shares have fallen 51% since first disclosure. it has come under investigation by 60 minutes related to from all the hype in the flooring. the debt shirt another 16% today and the company had an unexpected loss. they have been expecting a pressure again and the company recruited a loss. the company's chief financial officer is stepping down and will be replaced by a former executive. that will be effective as of june 1. in the other direction gopro was up at the close of trading yesterday. assessment for the first quarter revenue

it's a public/private partnership with citibank voda phone and google which donated hundreds of farmsof them -- of phones. 120 of them have been given. they pay $30 a month to use they. there's special apps about job fairs, bad weather and services. even gives them a chance to apply for a job. >> i think that we can consider it as a very basic need for someone who is homeless. it allows us to put them on a level playing field with the rest of the world. >> the community technology alliance is working with three other nonprofits to expand the program to san francisco and even to detroit. >>> 7:28. from trying to take over city hall to trying to stop traffic on the freeway. >>> the rallies in the bay area that protest police brutality and disrupt business as usual. >> reporter: people who live in the only mobile home park left in palo alto are fighting to keep it open. hear what happened at a city council meeting last night and why it's making some of the residents hopeful. >>> we're seeing more slow traffic join us for this morning's commute including the east bay and the south bay her

when citibank came out with a report three or four months ago talking about only stationary batteriesry batteries shifting into our utilities and other power companies, being adopted by countries like saudi arabia and japan that currently burn a lot of oil to shave the peak periods of burning oil to create electricity. it just stationary batteries moved into the market, and they had a forecast of how many, how much penetration stationary batteries would penetrate and by the year 2020, 4 million barrels a day of current low consumption would be removed from the market. it is the mirror image of adding the 4 million barrels a day. what you would have if shale oil -- and there's the debate going on right now about how real this shill oil revolution is -- shale oil revolution is. the bears say this is it. you're watching it. it is wednesday over next year. in the bowl say, actually not. this will be going to 2020 and onto 2030 or so. if the bears are wrong, and city is right, you would have the same impact that you're watching -- the same geopolitical impact as you are watching the shale

that is the same volume when citibank came out with a report three or four months ago talking about onlytationary batteries, stationary batteries shifting into our utilities and other power companies, being adopted by countries like saudi arabia and japan that currently burn a lot of oil to shave the peak periods of burning oil to create electricity. it just stationary batteries moved into the market, and they had a forecast of how many, how much penetration stationary batteries would penetrate, and by the year 2020, 4 million barrels a day of current low oil consumption would be removed from the market. it is the mirror image of adding the 4 million barrels a day. what you would have if shale oil -- and there's the debate going on right now about how real this shale oil revolution is. the bears say this is it. you're watching it. it is going to be over next year. and others say actually not. , this will be going to 2020 and onto 2030 or so. if the bears are wrong, and city is right, you would have the same impact that you're watching -- the same geopolitical impact as you are watching t

today i drink coca-cola, i bank with citibank, and drive with ford. the point being when you do business with people, you end up doing business both ways. american products were then being sold in india. today interestingly enough, 12 years later, the help desk has come back to the midwestern united states and left india because the standards have grown in india for wages, labor laws and things like that where they went to a comparable playing field with the united states. i believe doing business is good for america. i respect the middle class. mr. trumka, i was in savannah, georgia, yesterday where we have a new plant, caterpillar has come into georgia from japan. where they have been building tractors in japan, they are building them in georgia. that's good for manufacturing jobs in georgia. those are the middle class jobs. it's very important that we promote jobs that promote trade because 1.2 million georgians jobs' directly are dependent on trade. we are the eighth largest state in the union. we have over 10 million people. i want to make sure w

we just closed our second tranche of branch acquisitions from citibank in texas. going that is expected to close in the second quarter. we have an $18.5 billion company in pennsylvania called susquehanna which is a great company expected to close in the second half. we've very inquisitive right now. we always have been as you know. we expect to continue to be inquisitive as we go forward. it is really the only answer right now in this environment. if you think about it rates are slow, going to stay slow for a while. pressures on the margin. not much opportunity to raise fees. what's the answer? you've got to get skill. you grow organically but not too fast. therefore, mergers are a really big part of the answer for the industry and for us today. >> we'll be watching for that exact reason. thank you, kelly king good to see you again. >> the ceo of bb&t. >>> one of the biggest days for earnings it has been this season. we'll recap the highs and lows for you next. >>> still, the army the navy the air force, and marines are all marching to a different beat. a fight th

citibank. you alluded to it in paragraph 329 of the order. i want to express my gratitude to all of you for joining in the bipartisan vote to repeal the sports blackout rule that i long called for with my colleague, senator mccain. we plan to pursue that issue in the fans act because the sports leagues unfortunately have themselves continue to retain the power to blackout games through their private contract agreements. my special thanks go to commissioner clyburn for starting the proceeding, commissioner pai for announcing your opposition and chairman wheeler for folk using the attention on this issue. i want to express to all of you the action that you have taken strong and again emphatic action on cramming. particularly lyly for coming to connecticut and helping to educate consumers there about the effects of cramming and the attention that they need to pay to it. this action on stopping cramming through the settlements that tu reached with at&t and t mobile i hope will lead to rules that go beyond those settlements. as important as they w

i think citibank had its best quarter in over three years.s we go on a 3 1/2-year run here. >> it's a little early to tell on the earnings. we're very early into the season. very early into the season. i think the markets really being overshadowed by what's going on with the fed and interest rates. >> thank you guys so much. kelly has the second hour right now. >>> thank you, scott. welcome to the "closing bell," everybody. i'm kelly evans. here's how we're finishing up the session on wall street. we fluctuated back and forth between positive and negative territory in the last hour. art cashin mentioned, selling pressure right at the bell. still closing above 5,000 for the nasdaq 5,008 to be exactly. big earnings due out from american express in just moments. joining me today, johnna jar dan, michelle caruso-cabrera. with us more more on today's market, tim seymour, a "fast money" trader. welcome one and all. dr. j, what jumps out to you? what did you learn today? >> well i learned that the value of that international exposure to netflix coul

today i drink coca-cola, i bank with citibank, and drive with ford.he point being when you do business with people you end up doing business both ways. american products were then being sold in india. today interestingly enough, 12 years later, the help desk has come back to the midwestern in united states and left india because the standards have grown in india for wages, labor laws, and things like that where they want to compare with the united states. i believe doing business is good for america. i respect the middle class. mr. trumka, i was in savannah, georgia, yesterday where we have a new plant, caterpillar has come into georgia from japan. where they have building trarkt tractors in japan they are building in in georgia. that's good for manufacturing jobs in georgia. those are the middle class jobs. it's very important that we promote jobs that promote trade because 1.2 million georgians jobs' trectly are dependent on trade. we are the eighth largest state in the union. we have over 10 million people. i want to make sure we continue to trade

back on the 4000 block a mystery, on april 2nd the citibank on a to the block of california's tree, ande at the bank of america and the 3000 block of the upholstery. did not disclose how much cast and he got away or if he lives in san francisco but coming up you will hear more from the fbi about why they are so focused on finding this particular alleged bank robber. >>darya: at the third to want to change gears and get look at the weather and the traffic on this thursday morning. >>james: a clever outside the camp as a folk looking pretty good a lot of sunshine come down the airport reporting the latest is your headed that way things look to be all clear for us on the travel from will get more in depth with the weather right now here is will we can expect. break in the day down into different parts the morning hours we are still seen in some isolated spots in the upper 30s the mouse and solidly into the low 40's in the 50 degree mark by noon tile will look for too low to mid '60's brought to bay area was slightly warmer conditions and even warmer the 3:00 hour. >>james: 68 to 71 degrees