obously with the loss of peonal wealth, the loss of paper wealth, the lo of housing valuesn the united states people are waking up to the desirability of doing a littleore sang. so the vings rate is going up. it's gng... i don't know if it's as high as it should beut it's getting much closer to that. the estion is, will that remain so as people feel tter when the economy recoveries. that's going to be tough. >> rose: to chae those hits. my father was a young man during the depression. he wou never borrow money afr the depression. paid 0% cash for homes that he purchased. everything: cars homes, never did... bought anytng on credit. >> you' supposed to pay 100% borrowing. i don't know how you... one extre the other, right. >> rose:exactly. we had that period. wherare we snowed where are the toxic assets and what's going to hpen to them? >> well,the toxic asset are wearing away with timeand a lot of tse losses have been taken, stila lot more to come. but i think we're at a phase now where eon-toxic assets are going bad. if you think o the toxic assets the extme subime mogages and similar

i'm afraid the child has less than a year to liv [ igor interpreting ] >> henry: but obously, as we find it very, very difficult to do nothing. it's very hard. igor interpreting ] [ woman speaking ukrainian language ] >> igor: so, what to do? somethinto do? >> my opinion is, there is nothing to do but wait for the child to die. [ igor interpreting ] life can be very cruel.@@ >> i'm sorry. [ baby cries ] >> [ speaking ukrainian language ] [ cell phone ringing ] >> without surgery, she probably will... she probablyill die within the next five years or so. the surgery is safer than no surgery. d she'll continue to get worse as time goes by. all these cases i'm seeing, i would operate on them all in london without any hesitation. sure, they're risks, but i would be reasonably confident -- i'd be quite certain that the risks of treatment, or the risks o f surgery, were less than the risks of no surgery. so, when you translate that into the circumstances here, it's different and it's much more difficult to know. so in that sense, it's very... it's very frustratg, you know. they're all salvagea

or maybe you're 5 and you want to d from 58 to 75, but you want to do itn more part-time capacity, obouslyf you goart time, your incomwill get lower. if ou want to accs yr defined befit plansn some way, you could not dot under the currt tax code and under erisa. you ju couldn't. you could go part me, but you coulnot access your defined benefit plan. >> bonnie: while scalled defined befit pension plans -- pensions that promise reties a certain amou at a certain ag-- are not offered as widely as they once we, they still providthe primary source of support for just more than 30% of workers questioned by researchers in 2006. that is down sharplyrom the percentage ofag woers who received and relied on them a decade otwo ago. defined nefit plans have been isplaced by 4ks and so-called seiras, which allow ployees to save for tirement and for companies to match o contribute to employees' savings and the savings grow tax-free. t those plans arless generous than defined benefits plans. yet anher legal obstacles that many employees are eligle for early retireme benefits that are subsidized by employe

obously when i am writing in "newsweek" i am writing in a somewhat different ways than what i am iting in the first things. in the first things i am writing if not for the quieter than a community of conversation where everyone has a pretty good idea what the reference points are and so forth. with "newsweek" i'm writing for a general educated aidnce and my weekly catholic press column i'm writing for partilarly catholic audience in a very short 700 word format. when i write a thousand page biography oohn paul ii i am writing for the world, literally. and i think you just have to kind of keep that inhe back of your mind when you're doing it. it's interesting to me that there have been inquiries about foreign additions of faith, reason and the war against jihadists and which i wrote specifically as american version. i have no interest or desire to have this book appear abroad. i wanted to talk to my fellow americs about a certain set of problems in their language and yet i think by the time we were through that book will be in three or four language additions as well. >> finally you sai

anour language skills which we talked about, we haveover 700 speakers of what we call lguages, obouslyhali. we have tho speakers our ranks, these are police officers. so weare ableto counicate in the diverse communities of this city and i believe it builds incrsing level of tru. >> rose: and information. >> and information >> rose: thank y for coming. >> thank you, thanks f having me. >> rose: cmissioner ray kelly. back in moment. stay with us. >> rose: we coinue now with paul go ber, the archecture critic for the new yorkanager over the yearhe has chronicled the procesof rebuiing ground ze. in his 2005 book up from xer owe he wrote theollowing ere is anyone no instruction maal to tell us wha to do when e taest buildings are suddenly gone and the a id in its heart. i'm plsed toave him back at this table and take note of a new boohe has written called, approprtely, why architecture matte. welcome. >> thank you,harlie. >>ose: what whei read me of the things that people have said a beuse it is halled grou, peoplere yearning for memorial. >>es. >> rose: whys there not memoal. >> well the i

obously they own very few hedge funds, small hedge fund, it wouldn't make any difference. but still create conflicts inrest. but the sa thing with equity funds, yesr no. >> rose: no, not... >> sam thing wit commodities which i understand they' playing with theseays. no. banks are not out there to deal in commodities and own commodities and own oil tankers anthat stuff. when it cos to trading, the argument is okay, se trading basically is related to customer needs a... you want throb to buy, if you bu from the stomer you've got to be able to sell them. so some trading activity is naral. but i thi at some point it goes fm being a natal part ofommercial banng operion to a pely proprietary trang. it has nothing to dowith your customers, in fact, it may competwith yourustomers, it may create a conflict with yr customers. it's your proietary trading desk and ty call it a proprietarytrading dhaefk is out there trying to make mon on margins of trading, buy at $2 sell at $2.0 i or hang o to it and hope t price goes to $3. a reanable legitime actity bui don't want to support it with

keep what you have and not pay more i think are insufcient to give reassurance to people who are obouslyrned about what these plans mean to them and what they an to their family. it is difficult to be specific -- it is difficult to be as specific as i would like t be about that because there is a specific plan i could point to. but what if yo have a policy that isn't offed through the exchange? what if you have a very high deductible, individual health insurance plan which isn't uncommon among the farmers and ranchers and tho policies in effect are n called maybe none of the plans are permitted into the individual market wl peit it 10,000 over deductible as an example. with your insurer increases, and this is probably most important specific i can raise now what if you're injure increes your premiums to try to make up for the new excise tasks talked about being imposed upon the insurance companies? i think can pretty mu sum up what i think we knew then by quoting bredesen's law if you don't mind ich goes back 50 or 20 years, which was sply health reform will be decided not by speeches or

from a host control standpoint obously endpoint protection, common operating environment, federal desktopcore computing or other federal platform core computing as we move forward. ght now as you know it requires standard configuration for windows xp and windows vista, but there are other operating systems out there and we need to consider those. and then hsd d. 12 control over hard token another type of token used for multi-factorial. so basically what this means is in information approach. start with the infortion, the information has attributes. it is stored someplace. the storage is located within the systems. systems have controls. we need to transpo the data across the media. presented to a user, identifying that the user has the appropriate privileges, a in the user can see the information. so start with the information and good look at information centered approach. so in summary, at the end of the day, security of the social media really start with the protection of the data, confidentiality, integrity, and availability. and the user behavior, whether personal or professional. it