you have some folks on the regional feds, n.i., and some ore ohs beginning to talk about the need to break up these huge financial institutions, which have so much economic and political power. the top six banks write two-thirds of the credit cards in this country and half of the mortgages. my suspicion is if teddy roosevelt, a good republican, he'd be talking about breaking up these financial institutions. how do you feel about the need to finally break up these large financial institutions that have so much economic and political power? >> my first comment is that a lot of these people say they want to break up the banks are not very specific. does that mean making them a little smaller? does it mean making everything community banks? i really would like to see a plan that clarifies what is really meant by that. dodd/frank act put forward a strategy for ending too big to fail. i think it's incredibly important to end too big to fail. that strategy involves taking away the advantages of size, means that banks will be allowed to fail but through a safe method that will avoid the effe

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one, the n.i. deficiency act and one is something called the impoundment control act. between those two things which says you can't spend money you don't have appropriated to you is a felony. and you cannot impound money except through certain preff as is, most agencies are going to have to spend some money in the first quarter of this upcoming fiscal year. it sounds very arcain but it's important. some say there will be no allocations in the first quarter of this fiscal year. that seems mildly impossible. the question is how much will be spent? our estimate is 22%. not 25%. how many gains can be playground by o.m.d. within that -- plagued by o.m.d. within that? >> in 2013 almost none. why? because this is a program project activity level. a very granular cut. you are going to have to reach it if you're the department of treasury and make hard decisions since you don't make anything. you've got 5% contracting out for such things and 95% of your people. and this week we're going to turn over $150 billion worth of national debt run by 0 or 15 people in the basement of th

. >> if there is a congressional investigation, does it mean the step os the deform n.i. announced aren't enough? >> of course not. he's saying people will have additional polygraphs. we've got to find out how this all happened. that's to some degree closing the barn door. i think it's laudable he has take than step but the fact is, we need to find out how this happened and two did it. thank you very much. >> coming up shortly, we'll go live to the house floor debate on suspension bills at 2:45 eastern, a couple of minutes from now. the u.s. senate is in session today with more debate on a bill continuing food and drug administration user fees on scription drug reviews and approval. fees also cover medical devices and they would be expanded to include je for the rick drugs and biopharmaceutical products. you can see the senate live on c-span2. a quick reminder, coming up later this afternoon, we'll bring you a live webcast with james mann, a former correspondent for "the los angeles times." he's written a book about president obama's decisions and the people who advise hi