carl weinberg is with us from high frequency economics. davide serra is with us as well.ext week, from the royal bank of scotland, a guest will be with us. we will consider the rate requirement worldwide. from london, this is "bloomberg surveillance." ♪ tom: good morning, everyone. "bloomberg surveillance." i'm tom keene, with francine lacqua. the beauty of new york. carl weinberg is going to help me out with the "morning must-read." gap tos a culture say the least. we talk about this a lot -- tip income is supposed to be declared on your taxes, but this was shocked many of you -- it often is not. we tip in america different than they tip over here in the united kingdom. there will be some changes. the u.k. it is a little bit like the united states. but i was just in oslo, stockholm. you give a big tip there, and they look at you like, "what are you giving me, charity?" francine: also because national insurance is not like it is in europe. if you have good service you are rewarded, but it gets sometimes offensive. even if someone does not give good service, they still exp