fannie mae and freddie mac were cooperating. the fund of almost half of it and they did this to meet the housing goals because those securities counted for the gold at the same time they were competing with them for market share because they were required by the regulators to do it. so i called them pls. when they went for broke in the first half of the decade, fannie mae and freddie mac went for broke the competition with them. in the next three years to me and freddie mac went broke. i only have one slight left on fannie mae and freddie mac and then we are going to talk about how the private label securitization market worked. had there been a private label securitization market, fannie mae and freddie mac still could have caused a systemic crisis because they had no way of generating the capitol subsidy to get the home ownership rate of to 70%. now it's possible the politicians would have relieved them of that goal and just ignored it. with private label securitization going over the cliff, the market share mandate was going

fannie mae's stock price quadrupled from 1990 to the year 2000. by the year 2000 we had already been in the housing boom for about three years and the pool of potential borrowers was weaker. i only want to point out two elements of their characteristics. one, the down payment requirements basically had been replaced because these purchase money second mortgages could be -- bypass the private mortgage insurers and they could be funded in the capital markets or fannie mae itself was buying. so we no longer had the borrower with any stake in the game. a lot of these loans had teaser rates which means they didn't have to pay the full monthly payment and they didn't have to have enough income to qualify and they could refinance after the teaser rate was supposed to go to flit indexed rate. the borrowers worked only so long as house prices continued to rise. they didn't care what they paid for the house price because they were putting no equity into it. what that essentially leads to is a go for broke model. that is these were loans that people should h

is the mortgages were sold to fannie and freddie and they had to meet the underwriting standards, fannie and freddie would combine them into mortgage-backed securities and sell them with a guarantee and those were relatively simple securities made up of basically just hundreds of thousands of underlying mortgages. some of the securities that were created were very complex and very hard to understand. an example would be a collateralized debt obligation or a cdo. the security that combined mortgages and other kinds of, types of debt together in one package and it could be sliced in different ways so that he would sell to one investor the most safe part of security and to another investor the most risk part said they were very complicated and took a lot of analysis. now one reason that many investors were willing to buy the securities were because they had the comfort of the rating agencies, whose job it is to rate the quality of bonds and other securities in the aaa rating securities essentially saying that they are very very safe and therefore you don't have to worry about credit risks o

he has a plan to shut down mortgage giants fannie mae and freddie mac.nd we'll talk to marc ginsberg. first up, this news update from c-span radio. >> it's 8:32 eastern time. comments this morning on the presidential election from former secretary of state colin powell. speaking earlier on nbc's "the today" show, he declined the endorsement he gave barack obama then a senator four years ago when he called president obama, "a transformational figure." he did credit the president with stabilizing the financial system and, "fixing" the auto industry, but he said he should have spent more time on the economy. as for mitt romney, colin powell calls him a viable candidate and says he's still listening to republican proposals. meanwhile, arkansas and kentucky hold their state and presidential primaries today. a total of 81 delegates are at stake in the g.o.p. president a.o.l. primary which is expected to bring mitt romney closer to the 1,144 delegates needed to clinch the g.o.p. nomination. mr. romney has 992 delegates, according to abc news. and the chief of t

we've made a lot of progress with fannie and freddie on that. we have about a half a million applications in under our harp 2.0 effort that five of the largest lenders, we're seeing real take-up in that. what we need next for congress to do, and there are bills that were just introduced and about to be introduced on this, we need them to move to the private label market and give those homeowners an opportunity to refinance. there are about three million families who don't have access to refinancing even though they're current on their mortgages because they're underwater. >> right. >> that's a real boost to them, to their neighborhoods, but also to the broader economy, a step we could take. and there is a lot of consensus around this in congress. it's something we need to move quickly. >> peter has a question, i'm going to -- >> one question before we run out of time. secretary donovan this is, again, from someone here in the audience, i believe. much of the wealth lost in the crisis was illusory, yet the talk is of how to revitalize the housing

that is what fannie and freddie ought to go under. that is how you get out of all the contracts and obligations that you need to and get them down to bare bones. i hope you have a great day and i appreciate your call. host: we of the question on twitter asking you who caused the mortgage crisis? guest: congress had something to do because they mandated that fannie and freddie by what amounted to subprime loans that were made to borrowers with less than pristine credit. fannie and freddie guaranteed those. the securities were sold around the world. when they were defaulted on, the claims were made against aig, which had sold credit defaults swaps. in part it was fannie and freddie and congress forcing them to do it. on the other hand, it was shoddy underwriting and poor underwriting of loans. loans were made to people who were not prepared to pay them back. host: carl, independent line. caller: senator, i am going to take the last caller is word for it that you are a nice guy, but here is the deal. if you want to get the housing market

they were lowered for fannie and freddie. in addition, we raised the fees for the large loans to make sure that there is more capital available to large loans. and we are working cooperatively with fannie and freddie, both to raise their g p's. that did happen. you can argue over whether they have gone far enough, but there has been an increase in the gp's there. and we're looking at ways to restructure their guarantees to be able to put more private capital. in fact, the fha market share is shrinking as a result of that. where i will agree with jim is that there's much more than needs to be done, and particularly we need action in congress to lay out a framework to going forward. >> i sense you want to jump in here, but i will ask you to respond to this question. everyone seems to agree that we need to have private capital back to finance this summer. friday and fannie make up the lion's share of u.s. mortgages. can private capital come back without gst reforms? >> as long as we have holders of $6.50 trillion in residential

the bill seeks to address barriers to refinancing that continue to exist in the program by fannie mae and freddie mac. fha made some changes to the program last year at the urging of members of congress and the administration and continued to hear from constituents in the housing industry that more could be done to encourage competition in the refinancing market and give homeowners additional opposition options as they navigate current conditions. the housing market continues to struggle with home values far below those seen a few years ago. despite the dramatic decrease in home values since their peak in 2006, many homeowners are upholding their commitments to pay these loans back. however, as we have found in previous hearings, these responsible homeowners are at a disadvantage when it comes to refinancing the loans at today's record low interest rates. they often have limited options when shopping for the lowest interest rate, because put back risks mean they can only refinance with their current servicer. the gses have not applied benefits in a consistent manner. which puts unnece

it did not go to fannie and freddie. that -- congress did want to raise the g-fee. my feel is we need a government guarantee system of some form but it has to be smaller than fannie and freddie and it should be very small in good markets and increase when we need it. that will take congressional action. we cannot do it without congress. the administrator -- the director has -- if you start to raise the g-fee dramatically, the hill will come out on him all the place. we still have a fragile market. i also agree with jim that because the guarantee is underpriced at the moment, if you will. the private sector block come back until we figure out and mechanism to encourage them to come back. that is solving the fannie and freddie problem. >> one thing the administration much like to see happen is principle forgiveness on certain loans. the you agree with the director of fha that freddie and fannie should not be doing principle forgiveness at this time? >> when i was there that was an area we looked at. we had discussions in the agency. this is an area gone on since the s

fanny lu tuvo que hacer declaraciones sobre su orientacion sexual.gustan los hombres despues de varios rumores diciendo lo contrario que se formaron ya que fanny lu ha cantado varios temas en contra de los hombres como "tu no eres para mi." pero la cantante toma con buen humor los comentarios ya que le parece gracioso. y en corazon valiente... nos la pasamos como dice mi abuelita con el jesus en la boca... esta historia tiene de todo... accion, suspenso, drama, pero sobre todo mucho amor.... algo tambi en especial de esta novela es que puedes ver capitulos pasados en telemundo.com/corazon valiente. ahi tamien puedes ver resumenes y un avanze de la novela. la cita con corazon valiente es de lunes a viernes a las 9 8 centro aqui por telemundo. y bueno, esto es todo por mi parte. me despido, soy adriana lopez de acceso total y nos vemos en la proxima. top nats.. 5 secs. ---estas son imgenes del festival de la "guelaguetza" en santa cruz del aÑo pasado. ---los oaxaqueÑos, incluyendo sus comunidades indgenas, lo invitan a presenciar este evento folclrico

fannie mae is saying that they don't need more help.s it time to let them stand on their own two feet? >> and three top strategists gear you up for tonight. stay with us. how do you know which ones to follow? the equity summary score consolidates the ratings of up to 10 independent research providers into a single score that's weighted based on how accurate they've been in the past. i'm howard spielberg of fidelity investments. the equity summary score is one more innovative reason serious investors are choosing fidelity. get 200 free trades today and explore your next investing idea. and i thought "i can't do this, it's just too hard." then there was a moment. when i decided to find a way to keep going. go for olympic gold and go to college too. [ male announcer ] every day we help students earn their bachelor's or master's degree for tomorrow's careers. this is your moment. let nothing stand in your way. devry university, proud to support the education of our u.s. olympic team. [ man announcing ]ity, what we created here.e education w

fannie mae and freddie mac. which announced back stopped by taxpayers the exposures that the banks exposed to in the mortgage backed securities that they issued and especially for investors as well because if there is a break in the chain of title because mers now has lacked legal standing in several states. that what they may end up with in the six the half or seven trillion dollars in mortgage backed securities that are out there is it just that perhaps these were pushed back securities may be on securitized or unsecured and dr pham a lot of implications here is basically opened the door to this a characterization to these trillions of dollars of mortgage backed securities that break that had. rick and the economy into the financial system so when we get back we're going to talk more about that we'll have more with dr lanty pham former principal analyst and financial economist at the c.b. i will be back in just one minute stay right there also still ahead we'll have more with our was a blower dr pham about how

our bill will help borrowers with fannie mae and freddie mac who are trapped because of the barriers to refinancing. most estimates it is likely to help 3 million borrowers to refinance but that depends how many take advantage. our bill will make it easier for homeowners to refinance and lower mortgage payments, which is a popular and common sense way to help the housing market. discussion about what already happened in fha's harp expansion called harp 2, not all of the barriers to refinancing were addressed there. for example harp 2 removed loan to value caps for underwater homeowners but doesn't apply to borrowers under 80% ratio who theoretically should refinance. my office heard from new jersey homeowners who are exactly in this situation. fha scaled back lender liability for representations and warranties which lenders cite as an obstacle to encourage them for same as far assers and refinancers in harp 2. they did not scale back representations in warranties, cases where a different servicers was refinancing the loan which has led to a lack of competition among lenders that has

millions of mortgages are underwater and fannie and freddie continue to lose money at the expension of the american taxpayer. in fact, while the taxpayers will spend almost $190 billion bailing out the gses, they only work product we've received from the administration is a brief discussion piece that lists three policy options. but does not mr. secretary, make noi recommendations. meanwhile millions of dollars have been spent on piecemeal programs like hamp and the so-called hardest hit fund. but as repeatedly noted none of these programs have achieved their expected results. admittedly the problems facing our housing markets are very complex as you reminded us. and there are no easy solutions. finding answers will require careful study and legislation based on facts and rigorous analysis. unfortunately rather than doing the hard work required to solve problems. some have chosen to create scapegoats. blaming certain regulators for not undertaking massive principal reductions may make for a good one day news story. but it's not an effective means for solving the problems plaguing our h

vamos con fanny gutierrez para que nos amplie la informacion..fanny.. debido a la posible

the fanny and you're not going to love it but, there is a way to break that easily. it's just three words. bring your cot. in other words, don'ts listen to the threat of a filibuster. just say we're setting up cots in the cloak rooms and we're going to filibuster and we're going to have round the clock, bring your cot. that would shape up a lot of guys. >> mayor nutter, you talked about the importance of making sure that everyone take as cut, that you took cuts. flip the question around. i would think one of the advantages when it worngs the local level, people actually can make the direct connection between the sacrifice they are making, the taxes they are paying, the cute backs and the benefits. what were the benefits that people saw sort of immediately or over a reasonable period of time. >> i think the first was, and this is maybe a little less tangible, one, they saw that we had a plan. and some parts they might actually agree with and some parts they hey hated. but it was constant communication with the public on a regular basis. this is why we're doing this, t

. >> stephen: so our fannies are themselves kind of like a fannie pack. >> yeah. >> stephen: okay. >> them kind of big at this point. >> stephen: yeah, og like a couple pieces of samsonite luggage back there. >> rightz. so maybe when you were wandering around in the savannah it was a good thingment but now when are you wandering around between a lot of fast food stores and to the doing much wandering because are you sitting in front of the tv on the couch. >> stephen: watching a four part hbo series-- (applause) >> you know, i hope a lot of people will go to the gym and watch it on their treadmills. and i bet if they are eating chips they going to put the bag down about 20 minutes into this is aing i don't want to eat this. >> stephen: not allots of dorito sponsorships. so now we don't have the evolutionary pressure but we still have the evolutionary ability to store all this fat. >> we do. we're amazing. >> stephen: won evolution then just whip those people out of the gene pool because if you get sick from storing fat, won't we volume of into human beings that don't for as much fat.

out there are owned by freddie mac or fanny mae.hose loans do we have any estimates on how many people are actually going to be able to benefit from this based on some of those restrictions, basically you have to stop paying, you have to know all these things about your loan, and the upward and downward price of your home as well. it's a lot. >> reporter: it's a lot. here is the deal. there are millions of borrowers who are severely underwater because they took out the subprime loans, negative am more tiization loans, the loans are basically no money down. what bank of america is trying to do is drive the principle balance of those underwater mortgages down to get this. 100% of the valve the home. that tells you where we were in the bubble where people were borrowing more than the house was worth. can you get this deal? you may not be able to until d.c. resolves the fight over whether or not freddie mac and fanny mae will be principle reductions. barney frank has got even involved. the overseer for freddie mac and fanny mae have got

if you don't like fanny, we don't like manny. >> he doesn't like the fact that he rhymes from fanny.> his homo phobia is that his name rhymes with a body part. >> it is funny people pick and choose which to follow and which not to follow. i'm sure manny has been a saint his whole life. >> thou shall not punch people in the face. here is the deal. here is the deal, i am not sure religious bigotry is the same as regular bigotry of the maybe it is. if the mall chooses to say we don't want you here, that's a lot of people. a lot of hispanics and a lot of blacks don't believe in gay marriage. they will have a really white mall. >> i like how you say the intolerance is being intolerant. who is the hero and who is the eden? both sides should be respected. >> bill, you were banned from the grove after the incident in the coy pond. the fish although they didn't die they have horrible memories of what you did to them. is it wrong he is being convicted in the food court of opinion? >> i do not want to live in an america where a punch drunk moron can't spew whatever bigotry he wants to spew. tha

>> in your written testimony you eluded to the government sponsored enterprises in particular fannie and freddie. it's been four years and you know, 95% of the mortgages originated today are dependent upon them. how important is it in your opinion that we move away from that reliance. and should they exist if their current forms? >> it's important if you think the free market financial system is is important. they were sitting here with half the capital market under control of two institutions both of which at this point are government owned. it's kind of ridiculous when you look at it. >> i assume you think having a free market system is a good thing. >> got only you, but i think some other people are, too. right now the residential mortgage market is dependent on two defacto government institutions, fannie mae and freddie mac. how do we wean away from that? it's going to take years. let's not make the same mistake of having the quasi government institutions half public, half private. they're private when they're making money, and public when they're in trouble. that's a recipe for

fannie mae reported the biggest profit since the mortgage giant was bailed out in 2008.hose reflect a drop in bad loans on fannie's book and they've paid back to the treasury. they won't need any more taxpayer money. it's drawn $117 billion in aid since 2008. >>> and the u.s. postal service is backing off a plan to close thousands of smaller post offices this year. instead proposed to keep them open, but with shorter hours. another option would be to close a post office in one area but keep another one nearby open full-time or communities could set one up in a local library, store, or walmart. that project a loss of $14 billion this year. back over to you. >> thank you very much. we'll check with you later on in the show. >>> there's good news and bad news in america's battle with weight gain. according to a government report, more people will be obese in the coming years. right now, 36% of americans are considered obese. that figure is expected to grow by 42% by 2030. the good news is that the rate of people becoming obese has slowed from the record pace it's been setti

the republicans have been in power since 2011 and have done zero on fannie and freddie. what's holding you up? >> i'd like to reclaim the chair's time. >> i wish you would. >> but i do. this would conclude the first panel. i do want to thank our two colleague for the a lively discussion. i appreciate you very much for being here. now we will have the second panel be seated. >>> i would like to introduce the witnesses on our second panel. dr. jeffrey harr ner -- dr. peter kline. without objection, your written statements will be made part of the record. you will now be recognized for five minutes. summary of all your testimony and we'll begin. >> chairman paul, ranking member clay. >> put your mic up close. is it on? >> and distinguished members of the committee. it is an honor to appear before you. left of the market the production of all goods including money passes the profit and loss test of socially beneficial production. like all private enterprises a gold mining company produces if the revenue exceeds the cost of buying its inputs. it's production the beneficial be

fannie mae reports a net income of two harass 7 billion in the january-march quarter. we will take a break and we will be right back. [ teen ] times are good, aren't they, kids? it's nice having u-verse, isn't it? see back in my day, we didn't have these newfangled wireless receivers. fangled? we had to watch basketball in the living room... that's where the tv outlet was. what is he talking about? and if mom was hosting her book club that day, guess what...you missed it! we couldn't just move the tv all willy-nilly all over the house. ohh! ohh! kids today have it so good. ok. [ male announcer ] the wireless receiver only from at&t. get u-verse tv for $25 a month with free hd for six months. at&t. >>justine: >>darya: we are still on the scene in the menlo park of this hazmat situation. this is edison way and 11th. the tape is still up but the crews are all gone. there were hazmat cruise with suits on, they seem to be investigating some kind of smell coming from the truck we never saw them do any cleaning of anything or any kind of response other than investigating it.

. >> i wish we would have dealt with that on fannie and freddie years ago, and i do thank chairman garrett for his efforts to actually resolve the problem. >> gentleman yield, the republicans have been in power -- >> well, if the gentleman would yield, the republicans have been in power since 2011 in january and have done zero on fannie and freddie. what's holding you back? >> i'd like to reclaim the chair's time. >> you've been in power. >> i wish you would. this will conclude the first panel. i do want to thank our two colleagues for a lively discussion and appreciate you very much for being here. now, we will have the second panel be seated. >>> we'd like to introduce the witnesses on our second panel. dr. jeffrey herbenger. the chairman of the department of economics at grove city college, dr. peter klein is a associate professor of social sciences and director of the mcquinn center for research at the university of missouri. dr. john taylor is the marion robert raymond professor of academics at stanford university and george p. schultz, senior fellow in economics at the hoofhoof -- ho

dealing with fha, dealing with gses, fannie mae and freddie mac, there have been a lot of proposals by the administration to deal with that. write-downs. the basic property laws, you've got a first lien which is the first priority. you've got a second lien, right? which is the second. if you -- if the value of the first lien goes down, or you pay it down or negotiate it down or whatever, then the value -- it would logically follow the value of the second lien would go up. is that correct? generally. generally speaking. >> generally speaking, yes. >> assuming the property values were there. if you had a $250,000 mortgage on a piece of property, first lien, and fannie and freddie or fha, whoever, government-sponsored enterprise, government-run, had a first mortgage, and you ladhad a $50, second mortgage, and if you, by negotiations or something, lowered the $250,000 lien to, say, $180,000, just throw that out, wouldn't it follow that the value -- assuming the property was worth so-and-so -- the value of the second lien would be enhanced, perhaps? >> if there's no requirement that you wri

fanny asi es maro, la historia a continuacion es un ejemplo de que los sueÑos universitarios entre loses se pueden cumplir si existe constancia, dedicacion y el apoyo de la familia e instituciones supers: rosa avalos -se graduo en ingenieria aeroespacial- alexander avalos -hermano de rosa- rosa albina chumpitazi -madre de rosa- nat sound: "rosa avalos ganadora de la primera beca juventud, muchas felicidades rosa (aplausos)" con el apoyo de univision y los premios juventud, hace cinco an*os, rosa obtuvo el pasaporte para cumplir sus suen*os como estudiante: una beca que cubriria los gastos de sus estudios universitarios . "la verdad no me lo creia hasta que nosotros viajamos para miami. para mi fue una gran sorpresa y para mis padres tambien" hoy, a sus 23 an*os, es la primera hispana en graduarse -y con honores- en ingenieria aeroespacial "yo siempre estuve muy segura de lo que queria hacer, desde el principio, vi en cuanto a mis padres, el esfuerzo de mis padres, y todas las personas que contaron conmigo, tenia que aveces no dormir como tres dias. yos padres tienen que apoyar bastante

le contamos para quienes esta diseÑado un nuevo canal de television y mas del entretenimiento con fannyamable sintonia... llego el momento de saber que pasa en el mundo del entretenimiento... hoy hablamos de un libro, un interesante canal de television y de juanes... a dos decada viudo peblico entemente els libro titu "to sa, love" eol: "a lena c a... - s inti de laerspectiva de quie e canal estara disponible a nivel nacional muy pronto... y busca aliviar la ansiedad, depresion y aburrimiento a los que se ven expuestos los caninos cuando se quedan solos en casa... juanes se une a una buena causa, esta vez apoyando a jovenes estudiantes de musica, es por eso que visito la escuela celia cruz en la ciudad de nueva york... esta iniciativa responde a un esfuerzo de la organizacion de los grammys latinos para brindar a los jovenes estudiantes de musica la oportunidad de aprender tecnicas de algunos artistas famosos de la industria musical. aprovechando la oportunidad juanes tambien aclaro algunos rumores en torno a el y su vida familiar... xtra poder dar a mi hija. >>> los esperamos con otra

for these fannie and freddie loans taxpayers already own the risk. at these homeowners default regardless of whether we allow the homeowner to refinance or not so stopping homeowners from refinancing into lower-cost loans where they are less likely to default, homeowners and taxpayers and is obviously in my mind terrible policy. fha fennie needs to change this now. it's urgent because we don't know how long low interest rates will remain and once interest rates rise it won't make any sense for homeowners to refinance. every day the fhfa and congress delays is another day that both taxpayers and homeowners are losing millions of dollars. finally, one of the best aspects of the boxer menendez responsible homeowner refinancing act is that according to preliminary cbo estimates, it will stop a lot and save taxpayers money because fewer homeowners will be -- when there glover -- mortgage payments are lower. mr. chairman i appreciate that opportunity and i have two questions. one is to mr. emerson. do you believe the current harp two policies give an advan

fannie mae just did a couple of months ago, you know, and that's real money for the taxpayer. >> it isney for the taxpayer. >> sorry. >> jamie dimon lost jamie dimon's money. >> bertha coombs, what have you got coming up? >> relation nal hedge fund is going to disclose the state this afternoon. when they follow the f-13 funds and one of the things that the firm is telling sources and telling "the wall street journal" is that they believe the north american beverage unit should be split off. back to you. >> okay. thank you very much. look at that spike. we're going to take a break. we apologize. we were going to talk about the walking and texting fines but we'll get to that. see you. see you. you ready? we wanna be our brother's keeper. what's number two we wanna do? bring it up to 90 decatherms. how bout ya, joe? let's go ahead and bring it online. attention on site, attention on site. now starting unit nine. some of the world's cleanest gas turbines are now powering some of america's biggest cities. siemens. answers. an airline has planes... and people. and the planes can seem the sam

road blocks which is what we talk about in our study one of the big things is that right now the fannie mae and freddie mac. they have a big price competitive. they can out price anybody in the private sector towards buying mortgages so you don't have any private sector people coming in and competing with them and another big problem is that you have rating agencies that nobody trusts so private sector doesn't have any good way of measuring the risk in these mortgages so they're not going to want to get in the game really quickly do you have any response to that conclusion or i mean one irony of this is that nobody's buying homes so you know one way to shrink the amount of mortgages that are on the government's payroll is for no one to take out mortgages anymore and it's interesting that you know we built so many single family homes in the run up to the great recession and right now we didn't we didn't build enough multifamily homes enough condos and that's where people really want to go right now because the young people who would be first time homeowners right now aren't buying houses

year ninety percent were government backed that means that combined with the bailout so we had for fannie mae and freddie mac. taxpayers are on the hook for five point eight trillion dollars and rising trillion five point eight trillion of mortgage debt that does not and that's before we even get into you know the larger budget concerns in the debt we're talking that needs to be rolled back and if you ask the white house they say yes we the government shouldn't be backing ninety percent of the mortgage market the house republicans of course are going to say the same thing the problem is as it stands right now there's no private sector money flowing to housing because a whole series of road blocks which is what we talk about in our study one of the big things is that right now fannie mae and freddie mac. they have a big price competitive. they you can out price anybody in the private sector towards buying mortgages so you don't have any private sector people coming in and competing with them and another big problem is that you have rating agencies that nobody trusts so private sector doesn

. >>> gracias fanny lu, un beso. >>> de colombia para el mundo. >>> y les tengo algo para ustedes muchachoslebraron un desfile de moda por todo lo alto literalmente, en un puente se llevÓ llevÓ cabo fue un desfile de traje de baÑo estaban las mujeres mÁs hermosas de brasil, todas luciÉndose las curvas, vieron de todo. bikini, mira parte de los trajes de baÑo tiene uno como mujer llevar suba un bata para tapar , habÍa de todo quÉ les parece. >>> muy bonita esta garota, no sa. ahÍ estÁ. brasil para el mundo esto es lo que mÁs llama la a tengo el pelo. >>> quÉ le creciÓ en el pelo un alga. un algo un alga.>>> no le ponga yo les tengo un regalo muy tierno, lesaision@@ presento ad miren... este gato hermoso la sensaciÓn en esta tiene dado sp tenÍan previsto comprara americ 160 dÓlares por ap raer se con el gatito. >>> tiene rasgos asiÁticos tambiÉn. >>> esta lindo parece como un osito. >>> el Único gato que parece un oso. >>> el Único gato que cobra por ap raer se. >>> imagÍnate si nosotros cobramos. .>>> no, no vamos a la siguiente. ya se riamos millonaria. >>> un dineral que vamos a contar. >>

fannie will not seek additional federal aid for now.already received $116 billion of your money. the most expensive bail-out of any company. stocks were down, s&p 500 lost nine. nasdaq closed 12 behind. next up, latest on the underwear bomb plot and increasing pressure on tsa. that brings us to tonight's text to vote question. have you been inappropriately touched during an airport screening? text sr1 to 36288 if your answer is yes. sr2 for no. results a little later. i'm freaking out man. why? i thought jill was your soul mate. no, no it's her dad. the general's your soul mate? dude what? no, no, no. he's, he's on my back about providing for his little girl. hey don't worry. e-trade's got a totally new investing dashboard. everything is on one page, your investments, quotes, research... it's like the buffet last night. whatever helps you understand man. i'm watching you. oh yeah? well i'm watching you, watching him. [ male announcer ] try the new 360 investing dashboard at e-trade. when you pour chunky beef with country vegetables soup