ipp, these nonstandard policies are less well understood, and they do have some costs and risks, but i do think at the same time they can be effective in helping the economy. >> jennifer la-berto, cnn money. chairman, are you at all concerned that operation twist could affect banks' earnings and they're willingness to lend? does it undercut your ability to increase credit to consumers? >> credit to consumers? no, i don't think so. if -- take, for example -- i've heard the argument that by lowering interest rates, you make it unattractive to lend. i don't think that's quite right. what we're lowering is the safe interest rate, the treasury rate. that should make it even more attractive for banks rather than the whole securities to look for -- to look for borrowers. and to earn the spread between the safe rate and what they can earn by lending to households and businesses. so i think that macro policy and monetary policy can affect support lending. now the question arises in some context whether there are other barriers to lending as exist, for example, in some parts of the mortgage ma

. >> jim gordon is a very successful man that sold out gas plants to a large ipp and he's playing with the house's money. >> still taken ten years. >> he's got almost $50 million into the permitting. >> compare that to, if you want to do an offshore oil platform in the gulf, it's about two years to do a permit, so that permitting time has -- has a definite effect on the viability of projects. but to answer your question, are things on fire, not from a technology perspective? as i mentioned, i've spent six months in europe last year, and i was in denmark, but interacting with people in germany and the uk and so forth, and in wind technology, that area is very much on fire. all the universities are doing work. they are looking at completely different kind of generators and entire wind machines, and part of it is to get more reliability and the other part is to lower the cost. so we have a little bit of that going on in this country, and there's actually some very innovative designs in the u.s., but you don't have the same kind of national support for that as we see in -- in northern euro

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he is the code designer of the tcp ipp protocols of the internet and was awarded the national medal of technology as well as the presidential medal of freedom and recognition -- in recognition of his achievements. please welcome dr. bensonhurst. our second guest this the chief of a know well huffington post media group and one of the authors of one of the frequently cited media brand on the internet, "the huffington post." de internationally syndicated columnist and author of 13 books, she has written extensively on the development of the internet and the need to include an engagement, to include trust, and to include authenticity and new forms of media appeared please welcome arianna huffington. [applause] >our third guest is a journalist and internet safety advocate who has been following the development of the internet since its early inception. from 2010 to 2011, he served on the president's own mind safety and technology working group where he chaired the educations of a committee and wrote the education section of the group report to congress. presently, he reports daily for cbs