i also served half as a neutral evaluator, arbitrator, for finra. they are the alternative dispute resolution program for the securities and exchange. i have covered cases involving corporate dealer and fiduciary cases. i am a native of san francisco, a graduate of sacred heart high school. the relevance behind that, i am interested in serving in city government, proud to be a native of sanfrancisco, and i feel this is a way to give back. my experience as a lawyer and arbitrator can help the board to fairly and accurately decide claims. i believe i am fair and impartial. i think i would definitely be an asset to the board. commissioner farrell: is this your first time appointment? >> yes, sir. commissioner elsbernd: thank you. mr. tham. >> hello, my name is joseph tham. i have been on the commission since 2002. been in the real-estate business for over 20 years having worked as a certified appraiser and also as a regional appraiser manager for four major banks. i would like to think that i am very independent thinker, impartial, listen to both sides

the financial industry regulatory authority, or finra, accused the embattled swiss bank of a "systemic supervisory failure." u.b.s. didn't admit or deny the accusations, but said in a statement it was pleased to have the issues resolved. paying for news on tablets is a touchy subject. a new pew research study finds tablet owners spend a good amount of time catching up on news using those devices, but they don't like paying extra for it. the survey found only 14% of owners actually paid for their news. one in five of them have print news subscriptions that include tablet content. many media companies hope to boost revenue by charging for content on the ipad and other tablets. it's day 117 of the n.b.a. lockout. team owners and players are still at an impasse. throughout the day, there has been expectations of a report announcing the cancellation of two additional weeks of games. so far, there's no official word. in tonight's "beyond the scoreboard," rick horrow runs the numbers on the economic impact of n.b.a.'s lack of hardwood action. >> reporter: as the n.b.a. lockout drags on, teams