jim millsteen, renowned restructuring attorney, advising puerto rico. we'll talk to him about puerto rico. he was at treasury during the financial crisis. knows a lot about that is go on with the european banking system. we'll discuss that with him as well. and ambac could lose a lot of money if jim millsteen gets his way. we'll talk about that coming up. what is happening in puerto rico, guys, emblematic of what is happening in the world. too much debt that people, governments, companies, can't pay back. tyler, back to you. >> thank you very much. enjoy the warm weather down there. about 22 up here in englewood cliffs. janet yellen getting grilled on capitol hill. the verb we always use when somebody goes up on capitol hill it seems, saying negative rates are not off the table. lots of red numbers right now. let's look at the dow, which is off by 322 points, not the lows of the day, but nevertheless, better than 2% decline. 15,595. the s&p 500 down 1.5%. the nasdaq off two thirds of 1%. let's look at crude and show you where it sits now. west texas at