. >> this is a matter of getting the pendulum back to a balance point where you're not overpromoting home ownership but you're not barricading the doors needlessly by overcharging homebuyers who could come into the market. >> reporter: fha was bleeding cash and required a taxpayer infusion in order to shore up its reserves it more than doubled its premiums leaving much needed first-time buyers out in the cold. fha's insurance fund recently moved back in the black. the change will help borrowers but it could also help the fha itself. fannie mae and freddie mac recently announced their new low downpayment loans. borrowers the fha cannot afford to lose. >> this is great for the fha. they've been losing market share to fannie and freddie. this allows them to solidify their position in the market to rebuild their finances and it opens the door for a lot more people to enter the housing market. >> reporter: the president will also address new efforts to assure fha lenders of when they will and will not be held responsible for loans that default. diana diana olik cnbc washington. >>> right

because things are so much more dangerous, the pendulum needs to swing. we need to find a specific framework whereby our publics have confidence that our governments can both protect them and not abuse our capacity to operate in cyberspace and because this is a whole new world, as david said the laws that might have been designed for the traditional wiretap have to be updated. how we do that needs to be debated. both here in the united states and in the u.k. i think we're getting better at it. i think we're striking the balance better. i think that the companies here in the united states at least recognize that they have a responsibility to the public but also want to make sure that they're meeting their responsibilities to their customers that are using their products, and so the dialogue that we're engaged in is designed to make sure that all of us feel confident that if there is an actual threat out there our law enforcement and our intelligence officers can identify that threat and track that threat at the same time that our governments are not going

but the pendulum went too far. general my crystal issued the edict but then that next layer of command in each layer you got more and more cautious because nobody wanted that so it was over interpreted so that it is situations like you see captain swanson with the questioning and hand-wringing was frankly egregiously and the overreaction. he tried to write the pendulum one petraeus came into general mitt crystal did not have the opportunity but in that part of the world people respect strength. so when they see the haqqani pushing the limits constantly attacking a tepid response for the bureaucratic wrangling is send a message. >> a lot of things have to go right. may be those that are listening to this on c-span is vivid they tend to blanket together but the fact is you spend a lot of time in afghanistan. with all the things that we know that went wrong? >> so let's learn from the lessons over the last 10 years looking in all of the different angles i have worked for the next how many years? that doesn't mean we d

i don't think it is it a situation in which because things are so much more dangerous the pendulum needs to swing. i think we need to find a consistent framework, whereby our public has confidence that the government can both protect them and not abuse our capacity to operate in cyberspace. because this is a whole new world as david said the laws that might have been designed for the traditional wiretap, have to be updated. how we do that needs to be debated, both here in the united states, and in the uk, i think we are getting better at it and striking the balance better. i think that the companies here in the united states at least recognize that they have a responsibility to the public, but also want to make sure that they are meeting their responsibilities to the customers, that are using their products. and so the dialogue that we are engaged in is designed to make sure that all of us feel confident that if there is an actual threat out there, our law enforcement and our intelligence officers can identify that threat, and track that threat at the same time our governments are not go

i don't know if this is a situation which the pendulum needs to swing. we need to find a consistent framework whereby our publics have confidence that they are government can both protect them but not abuse our capacity to operate in cyber space. and because this is a whole new world as david said the laws that might have been designed for the traditional wiretap, have to be updated. how we do that needs to be debated, both here in the united states and in the u.k. i think we're getting better at it and striking the balance better. i think that the companies in the united states at least recognize that they have a responsibility to the public but also want to make sure that they are meeting their responsibilities to their customers that are using their products. so the dialogue that we're engaged in is designed to make sure that all of us feel confident that if there is an actual threat out there, our law enforcement and our intelligence officers can identify that threat and track that threat at the same time that you're governments are not going around

that really has gone away to the point where the pendulum has swung so far to the conservative it ish more difficult. we talk about credit availability. the fed chairman has talked about it. you hear analysts talking about it. this is a matter of getting the pendulum back to a balance point where you are not overpromoting homeownership but are not barcading the doors by overcharging home buyers to come into the market. >> i am on the fha website right now. i am going to read you a quote. your down payment can be as low as 3.5% of the purchase price. in other words, you have a loan to value at 96.5%. how does that encourage responsible borrowing? >> down payment alone is not a measure of performance. it does impact you in the event of a house price drop if you are trapped in your home. that is an issue. building equity is absolutely important. down payment is the single biggest barrier to homeownership. unless you got a lotf omoney from mom and dad you delay that decision to buy much longer than what you might be able to reasonably sustain in a mortgage payment. if you look at a stabl

i do not think there is a situation in which because things are so much more dangerous, the pendulum needs to swing. we need to find a consistent framework whereby our publics have confidence that their government can both protect them, but not abuse our capacity to operate in cyberspace. and because this is a whole new world, as david said, the laws that might have been designed for the traditional wiretap have to be updated. how we do that needs to be debated both here and in the united states and in the u.k. we are getting better at it. i think we're striking the balance better. i think companies here in the united states at least recognize that they have a responsibility to the public, but also want to make sure that they are meeting their responsibilities to their customers that are using their products. and so the dialogue that we are engaged in is designed to make sure that all of us feel confident that if there is an actual threat out there, our law enforcement and our intelligence officers can identify that threat and track that threat at the same time that our governments a

so i don't think this is a situation in which because things are so much more dangerous the pendulum needs to swing. i think what we need to find is a consistent framework whereby our publics have confidence that their government can both protect them but not abuse our capacity to operate in cyberspace. and because this is a whole new world, has david said the laws that might have been designed for the traditional wiretap have to be updated. how we do that needs to be debated, both here in the united states and in the u.k. i think we're getting better at it. i think we're striking the balance better. i think that the companies here in the united states at least recognize that they have a responsibility to the public but also want to make sure that they are meeting their responsibilities to their customers that -- that are using their products and so the dialogue that we're engaged in is designed to make sure that -- that all of us feel confident that if there is an actual threat out there, our law enforcement, and our intelligence officers can identify that threat and track that thre

i don't think there is a situation in which -- because things are so much more dangerous, the pendulum needs to swing. i think what we need to find is a consistent framework, whereby our publics have confidence that their government can protect both them but not abuse our capacity to operate in cyberspace. and because this is a whole new world, as david said, the laws that might have been designed for the traditional wiretap have to be updated. how we do that needs to be debated. here in the united states, and u.k.. i think we are getting better at it, i think we are striking the balance better. i think the companies here in united states at least recognize that they have a responsibility to the public but also want to make sure they are meeting their response abilities to their customers and those who are using their products. the environ we are engaged in is designed to make sure that -- the environment we are engaged in is designed to make sure that all of us feel confident that if there is an actual threat out there, our law enforcement and our intelligence officers can identify th

so i don't think there's a situation in which because things are so much more dangerous, the pendulum needs to swing. i think what we have to find is a consistent framework whereby our publics have confidence that their government can both protect them but not abuse our capacity to operate in cyberspace. and because this is a whole new world, as david said the laws that might have been designed for the traditional wiretap have to be updated. how we do that needs to be debated, both here in the united states and in the uk. i think we're getting better at it. i think we're striking the balance better. i think that the companies here in the united states at least recognize that they have a responsibility to the public but also want to make sure that they're meeting their responsibilities to their customers that are using their products. and so the dialogue that we're engaged in is designed to make sure that all of us feel confident that if there is an actual threat out there, our law enforcement and our intelligence officers can identify that threat and track that threat at the same time

because no matter how far that negative pendulum swings, it's always going to go to the positive every time. [ sirens ] >> we're coming right at you. we're coming right at you. >> a stolen dump truck rips through an ohio suburb and takes the police head on. >> we're going to ram another cruiser. [ sirens ] and they just rammed the cruiser. >> march 7th, 2010. a crisp winter saturday morning in stow, ohio, just outside akron. officer steve miller is on a call about a dump truck stolen the night before. miller surveys the scene and returns to the department to file a report. but as he pulls in, dispatch notifies him that the truck owner he just left has tracked down his missing truck and he's following it. >> i'm just thinking who would steal a dump truck and still be driving it around in the city after they stole it during the night? >> within minutes, officer miller spots the dump truck as it approaches a stop sign. miller approaches behind and prepares to pull it over. but whoever is driving that truck has no intention of stopping. soon another officer is on the scene in an suv. a thi

>> i would say the pendulum has started to ease. it's still more scrutinized. your loan application is more scrutinized than 2008 but more reasonable steps have been brought into the equation to help you qualify. somebody qualifies for a loan based on four cry tear yarks their income, the assets -- criteria, their income, assets in the bank, credit history and the property glts we have to leave it there. always good to see you my friend. >> good to see you. >> es that' it for the news at noon. we're back on at [ door slams ] >> phyllis: we need to talk. >> victor: what is this about? >> phyllis: this is about you rushing my recovery for your own selfish reasons. do you know what i did? >> victor: i don't give a damn what you did. >> phyllis: i poisoned kelly andrews. i could have killed her. >> victor: if you have a problem with kelly andrews, then i suggest you go see jack. you know while you were in a coma, he was playing around with her. i got you out of that coma so you could see what was going on. >> phyllis: you did not put me in dr. cutler's program out

. >> this is a matter of getting the pendulum back to a balance point. not overpromoting, but not barricadeing the doors needlessly to come into the market. >> in order to shore its reserves doubled the premium leaving much out in the cold. faa's insurance fund recently moved back. the change will help borrowers, but it could help the fha itself. fannie mae and freddie mac announced new lowdown payment homes for borrowers. what the fha cannot afford to lose. >> this is great for the fha. they've been losing market share to fannie and freddie. this allows them to solidify their position in the market to rebuild their finances. and it opens the door for a lot more people to enter the housing market. >> reporter: the president will address new efforts for fha lenders when they will and will not be held responsible for loans that default. i'm diana olick. >>> premiums good news for shares of home builders today, but not for those insurers. shares of builders like kb homes, denard hol ton, up 5%. beezer also seeing solid gains as you see there, but essence gr

>> when you talk to them it is always about the pendulum.attack you listen to hearings on capitol hill and all of a sudden, everybody wanted surveillance to go way up and everybody wanted as much funding for homeland security as possible. you have things like the edward snowden leaks -- they wanted to ratchet back the nsa capabilities and the programs. in europe, it was even bigger than what was going on. when you talk to u.s. officials right now, there have been two things they have been pointing to over the last couple of months that has led to a start of the shift back toward the line of u.s. intelligence capabilities. it was primarily the rise of the islamic state and the rise of islam extremism in general. that pendulum is going to start swinging back toward reliance on the u.s. >> john kerry spoke eloquently in english and french following the tragedy. how does what happened affect his participation in and around talks with trying to come up with a new agreement? >> it will be really interesting to watch. how this impacts iran we need

the pendulum is really swinging back from what we were seeing before. he and if mitt romney decides to make a run, mitt romney will have to figure out where they come down on that spectrum and how they square that with people of iowa. >> it is fascinating that bush isn't the only one that's avoiding this. the four-term governor of iowa, i'm losing track, he sort of poured a little cold water on this event yesterday saying it's not the only test of, it's not the only way to engage iowa republicans. then you have republicans outside of the state, they're saying we put way too much attention into iowa. republicans have to be very careful in engaging this very small group of people when they have a whole country to worry about. >> a lot of speakers were going off on jeb bush. he became a punching bag at this event. he was being attacked by name or implicit implicitly. that might be the danger zone. the conservative grassroots loves to have a conservative figure to set themselves against. if he becomes that guy, that's more of a problem for him than any part

. >> hillary clinton was recently quoted as saying, quote, i think our country kind of moves in pendulum swings. we go maybe a little bit too far in one way, and then we swing back. we are most comfortable when we have that balance in the vital center. and we are, i think, in need of getting back to that. what does that say to you? >> getting back to that? the vital center has moved so far right that it can't be called the center anymore. you might call it the center right, but it's far from anything i would call the center. >> hardly had she said that than nbc news and "the wall street journal" published a poll showing the public trends left on one issue after another -- raising the minimum wage, spending more for infrastructure helping students pay off their college loans, addressing climate change and global warming. i mean, hillary clinton, by this account, is to the right of the american public and particularly of the democratic constituency. >> right. but more important for hillary clinton, she's not to the right of steven rattner or the daley brothers -- >> or wall street. >> -- o

it appears to be where the pendulum is swinging that is more important. when you are going from very low toward something which is higher. things tend to continue as long as the economy stays away from recession and we don't think we have one coming up. >> to that point, there is an upside and downside risk to both variables. what you think there is more? in the performance of companies and the profits they generate or the valuation that investors are willing to apply? >> if you asked me earnings versus valuations, i think there is upside risk on valuations. i think there may be downside risk on the earnings. >> why? you are pretty bullish when it comes to earnings. >> a little under 8% of earnings growth. if i am looking at 13%, i'm expecting 5% to come from pe's and 8% to come from earnings. the argument that people make is that margins are really high because companies are doing a brilliant job of managing expenses. but how much more can you squeeze out on the margins side? i think we will see margins incrementally higher a year from now maybe 1% highe

you feel the markets -- the pendulum swung too far.they said, we have further to move. >> it is a global market story but the plot -- the problems are localized. the problem for the u.k. is nothing like a problem for the ecb and europe where the move and inflation predates the move in oil. >> and some of that is structural. you wanted to be. there is a growth dynamic story there which is problematic. you need to segmented and look at it differently across different regions. but do you not get the feeling that a move on copper, th e havling o -- the halving of the oil price -- when we readjust, we tend to over just? >> capitulation might be the word. equities hard. call it a rebound. we are up by 1%. the ftse 100 comes up a session high, up by 56 points. the dax higher by 100 points. nice gains in italy. a quick check on the oil majors. bp coming up session highs but still up by 1.6%. a nice move in brent yesterday. lower again today but also some reports in the u.k. press the perhaps bp are looking at cutting jobs. some of these guys a

. >> you mean the pendulum is swinging back?> i'm using temperature for my metaphor here not pendulum. [laughing]. they did. it froze the debate. and now we're returning to it. and that's a good thing. what ends up we'll see, but your point is, we're at least coming back to the question now. >> friends of that bill, all of the players in the house and the senate, the bill collapsed literally the friday of the week before we adjourned literally. it was still in play up to that friday. and then it -- just the weight of it collapsed on itself and people walked out of the room and it was done unfortunately. i do think it was that close. so you can do it again but now you have new players new fights, and all of that will rejuvenate itself. can they do it? they may be able to do it in this year and it can happen in this year and that would be the challenge. >> that would be wonderful and there's not only more motivation as you point out, i think the president's proposal has some strengths compared to previous legislation. i think the

as i have said ted not be able to get into these phones i think it is swinging the pendulum too far because the victims are actually going to be apple and google's on customers who are victims of crime. they will not be able to give lawyers access to the phones that may relate. >> let's transfer this not to apple and google what facebook. and access to someone's facebook , i assume you can get unless they take it down. are there issues here? >> there are issues. we use a search warrant. there is one case in litigation and i will not comment on the plus and minus. there was a 99 page affidavit submitted by our office seeking authorization from the court to subpoena and search the facebook files for several hundred people. we litigated against twitter separately. but i guess, this whole conversation speaks to the fact that technology is changing. how we gather -- >> any new rules? >> you may need new rules and they may need to be updated. the evidence will be on twitter and facebook. it is a new world and my commitment is that our office is going to be capable and up to the challenge and i th

often occurs in the wake of attacks like this and they wake of terrorism like this is the security pendulumaway from the privacy area, and more towards national security. that type of legislation might come up, it might be put to the side. that will be adjusting to watch. >> before we let you go, let's get to why the president is in knoxville, tennessee. will he be discussing committed to colleges? -- community colleges? >> one of the big proposals the white house has been telling us about is two years of commodity college will be paid for for any individual for any individual maintaining a 2.5 gpa. the white house says it could apply if each state participates to about 9 million people. it will save about $3800 per person. it's not cheap, it's about $60 billion the white house is estimating right now. state authorities 25%, republicans wary of that price tag. in tennessee, they have already implement a that program of the state level. even tennessee's they lawmakers have said maybe this isn't something the federal government should be doing. lawmakers will have to act on this, it will have

guest: i find the pendulum swings between over regulation and under regulation in this country.nd excesses then lead to a recursion of over regulation. there is a perception out there now with tarp and the bail-outs nominally repaid. general motor having paid, i think, all of its debt back to the government that corporate america is no longer morally beholden to washington anymore. it's not like obama's first 100 days where he could wag his finger correctly at the ceo did of wall street and say you messed this up. it's time for you to be con try to. wall street got its groove back. people don't need to feel -- the sources i have on the street feel like they won, they have healed themselves. they are out there. they are too systematically important to be cow. owes and ex coriated like that anymore. there is going to be a push to bring, you know, to water down some of the regulations that you saw in the immediate wake of the financial crisis. and again none of these blow ups ever substantially resemble the previous blow-up. what did the united states learn from the savings and loa

how do you convince people this is the right time to swing the pendulum back?estion. first, we're not changing for the fha loan. what we're talking about is affordability. secondly, even with this premium reduction, we're still going to be 50% higher in terms of insurance premiums than we were just a few years ago at the beginning of the housing crisis. and even after the premium reduction, we forecast $7 billion to $10 billion of growth over the next four years for that mutual mortgage insurance fund. so what we see is that this still puts us on a strong trajectory to get to that 2% capital reserve ratio. >> but you talk about opportunity for home buyers and this could help on the margins. but really don't you have to do this because you're in danger of losing some of your best borrowers to fannie mae's new mortgage. and you need those borrowers or you can go back into the red again. >> certainly director watt and the folks at the gse are doing some noteworthy things. but that's not the ultimate driver of this decision. the driver is two things. what's in the

. >> you mean the pendulum is swinging back? >> i'm using temperature for my metaphor here, not a pendulum. but it froze the debate and now we are returning to it. that is a good thing. where it ends up, we will see. but your point is, we at least are coming back to the question. >> in defense of that bill, all of the players in the house and the senate, they both collapsed friday before the week that we adjourned. it was still in play up to that friday. and then the weight of it collapsed on itself and people walked out of the room and it was done. i do think, it was that close. you can do it again, now you have new players, new fights and all of that will rejuvenate it. they may even do it in this year, but it is going to be a challenge. >> that will be wonderful, and it is not only more motivation as you point out. i think the president's proposal has some strength compared to previous legislation. i think the role of the n-kick a centralized portal for industry and government to share information, that is a step forward. i t

prime minister's view that the current threat is so severe that there needs to be a swing of the pendulum in this area of private communications, potentially in facilitating dialogue? >> the threat that we face __ the level has been set at severe. that is set by independent organizations. to look at the evidence that is there, and set the level accordingly __ when it is set at severe, that means that the authorities believe a threat is highly likely. if we believed it was eminent, we would move to the next level, which is critical. we clearly to face a very real threat in our country. as i was discussing with the present, __ president, we have had a numberof threats on the police officers. that is the threat. it is regularly reviewed and updated, but it should not be moved unless there is evidence to do so. as far as the production to the jewish community, and indeed other communities, and indeed to police officers themselves __ this is based on what has happened in france __ on the whole picture that we see. it is sensible, precautionary measures to make sure that we do what we can to en

hitha, now -- you're sort of like a pendulum. you did great into the fourth quarter. told us about retail. now you've been waffly here. does this make you feel better? >> a little bit. i would like to see these job numbers come in strong and real wage growth. that's the most important thing. when we have wage growth, doesn't matter if we have fluctuations of gasoline prices. demand will be there. we won't see the bifurcation of the consumer. it will become a lot smaller. we won't see these middle range retailers struggle as much. target -- charles: target was up another two bucks. it's like what the heck is -- matt: obama said we won't have low gas prices for a while. go buy a new car -- charles: that was jimmy carter right there. >> when you look at the jobs number on friday and saw it last month, the hours averagely -- not just wage increases are being paid more per hour, you saw a 12% increase in hours worked. that's a significant amount of money in people's pocket. charles: that was the point. historically when you go through these troughs, you get part-time worke

the other hand, if i have been at the science museum and we were looking at a demonstration of a pendulum would not be having a discussion about our opinions. how interesting. okay. where do we go next? we go to get to the late 19th century impressionism. paul leads me to one of my favorites this same river. he is a technique. he built built up the image by adding that colors .-dot by .-dot by .-dot. and i said wasn't that interesting was day off? yes. the the painting is the centerpiece of a pivotal scene in the movie. one of them upstairs for a long time. as he as he gazes more and more deeply into the painting with a stricken look it falls apart into a chaotic random collection of colored dots. it is at that moment he realizes that his own life seems to be falling apart. i have a certain sympathy. i have my own share of teenage angst but what i see when i when i look at the painting is not chaos. what i see is the world being analyzed down to its smallest most basic parts. when i look at it, i keep going back and forth. seeing the little dots from which the scene is made up. that doesn

our countrymen's like the pendulum on a clock. it goes from left to right and back left again. how long the country rests in any position depends upon the intervention and level of participation of the electorate. in. in a couple of hours we we will take our seats as members of the 114th congress. a unique road. roslyn brock, cornell brooks, unique. mark mario michael need off and the urban league have unique but partial roads. the legal defense fund national action network and many others have roles to play. we all have our roles to play. hopefully, the lessons of our history will allow us to play our roles effectively and efficiently. few people know about history better than she cute butterfield. he suffered many indignities while serving in defense of this country. a doting father, he experienced election laws that steeled his determination to study and practice law. a former state supreme court justice who knows what it is like to suffer defeat. he has lived much of america's history. he has learned its lessons. i believe he would take this caucus to a better place. [appla

>> you have to watch the pendulum swinging from one side to the other. we tend to like one extreme than another. i think in this particular situation it's clear that some degree of surveillance will be necessary in order to catch people like the paris attackers, to catch people who are going after sony, for example and to catch people who are doing other nefarious things such as the home depot attack or the jpmorgan attack, and that's what we're really trying to do. it has to be a confluence between the intelligence agency, the law enforcement communities, and the private sector. neil: are you ever worried that because they know our fears these authorities the nsa and others will overdo it in the name of keeping us safe? >> you always have to be careful with that. that's why the safeguards need to be exceptionally stringent. and the rules used for these data collection efforts have to be tailored in such a way that you take the technology into account, but you also take the constitutional freedoms into account. what you need is a balance, that basically

i do not think there is a situation in which because things are so much more dangerous, the pendulum needs to swing. we need to find a consistent framework whereby our publics have confidence that their government can both protect them but not abuse our capacity to operate in cyberspace and because this is a whole new world, as david said, the loss that might have been -- the laws that might have been designed for the traditional wiretap have to be updated. how we do that needs to be debated both here and in the u.s. and in the u.k. we are getting better at it. we're striking the balance better. i think companies here in the u.s. at least recognize that they have a responsibility to the public but also want to make sure that they are meeting their responsibilities to their customers that are using their products and so the dialogue that we are engaged in is designed to make sure that all of us feel confident that if there is an actual threat out there, our law enforcement and our intelligence officers can identify that threat and track that threat. at the same time that our governmen

so i don't think there is a situation in which because things are so much more dangerous, the pendulum needs to swing. i think what we have to find is a consistent framework whereby our politics have confidence you our governments can both protect them but not abuse our capacity to in cyberspace. because this is a whole new world: as david says laws that might have been designed for the traditional wiretap have to be updated. how we do that needs to be debated both here in the united states and in the u.k. we are striking the balance better. i think that the companies here in the united states at least recognize that they have a responsibility. but also want to make sure that they are meeting their responsibilities for their customers making sure that all of us feel confident if there is an actual threat out there, our law enforcement and our intelligence officers can identify that threat and track that threat at the same time that our governments are for the going afternoon fishing into whatever texts you might be sending on your smartphone. and i think that's something that can be ac

be one of those presidential years of personality or do you think it is mostly going to be that pendulum swing away from what we had with barack obama and maybe more towards, sort of a caretaker figure? set the scene for me in 2016. >> guest: i think it ultimately comes down to the sense of vision and leadership. i'm convinced that it is not all ideological. it's personal. if they feel like they can connect to the person, they don't necessarily agree with the person on every issue that they want to notice this person know people like me does this person care about people like the? do i like this person, but i invite them into my home? i think that when you say is that personality, it always is. a person may be brilliant and have all the right pedigree to the president but if he's unlikable, guess what he is not going to be elected in america. he just won't. so i am just convinced that its accommodation but ultimately it's the messaging and part of the theme i want to convey even as i wrote the book is to say to people if you're that person out there living in the heartland of america, an

it will rock like a pendulum until it completes a full revolution, seven stories in the air.he ride was called looping dragon when the plans were announced last fall but decided to focus on a jersey devils theme instead. >>> secret is out. the new york times just released the 52 places to visit in 2015. a familiar spot right near the top, why the eyes of the world are focused on philadelphia. this has nothing to do with cheesesteaks. >> why not? great reason to come here. >>> we had snow at the shore today, but i am tracking some showers heading our way. what to expect for the weekend and beyond in my first alert forecast. deciding between bread and health care is no longer a problem. healthy pa offers name-brand health insurance for the cost of a few basic groceries. if you're uninsured, call or apply online today. >>> people with asthma may have a greater risk of suffering from sleep apnea, that's according to a new study by the university of wisconsin. researchers found people who had asthma were 40% more likely to develop sleep apnea. sleep apnea has been linked to severa

as a result you should be ready for the pendulum to come swinging back in the other direction. by the time we get to tuesday morning, we won't be talking about 60s. we'll be talking about snow chances around here. so be ready. winter is on the way, no matter how mild it feels outside right now, cold air is coming. here is good nurks you guys. you always have to have a little good news. the sunsets continuing to get later and later. starting tomorrow, tomorrow the sun sets at 5:00. on march 1st we get the sunset back to 6:00. then daylight savings time. by march 8th sunsets at seven. and 8:00 or later into the month of august. we're adding daylight onto our cold days for now. it's 50 degrees, cloudy. still light rain and drizzle around the washington area. keep in mind our average high is only 43. we're also in plus territory. what you need today, no heavy coat. you will neat your jacket 40s and 50s. there are still lingering sprinkles in howard county, moving valley. down the spine of the appalachians heavy weather from atlanta down into florida. if you're heading down to the s

the case is that the pendulum has swung from one extreme where it was too easy to get homeownership,t is too difficult. what we need to achieve is a sensible and strong middle where we had the right safeguards in place. but we also have good opportunity for hard-working americans to be able to own a home. >> how did you reach the decision to cut fha premiums and will you consider cuts to upfront fees and or dropping the requirement that premiums must be paid for the life of the loan? >> it is a very good question. on the annual fees, these annual fees have escalated significantly. fees over have gone up by about 145% at fha since the crisis began. we made a decision about reducing the insurance premiums based on the latest actuarial report, the annual review we got on mutual mortgage insurance funds. you may know, those who write about housing, that we said at that time that we were back in the black and would take a step back and analyze whether or not it made sense to reduce mortgage insurance premium. after that sober analysis and really understanding the numbers, listening to tho

and the other side of the pendulum, these are states with more conservative states of guns and abortion surprise that these states went red in the past two presidential elections, and finally, the states that straddle the divide and in other words, the libertarian utopia and marry anybody you want and smoke weed and carry a weapon wherever you want and guess where? think small and sparse, vermont, new mexico and alaska. libertarians, you should be moving there. and in a few minutes the real reason that mitt romney is talking about a possible third run at the white house. can move the world. ♪ ♪ but to get from the old way to the new you'll need the right it infrastructure. from a partner who knows how to make your enterprise more agile, borderless and secure. hp helps business move on all the possibilities of today. and stay ready for everything that is still to come. . >>> it was 13 years ago today that the united states government decided to open a prison on the island of cuba. six years ago, almost to the day, president obama tried to make good on this campaign promise. >> we provide

it will rock pendulum style until it gains enough momentum for a complete revolution seven stories in air. it will suspend riders up side before reversing direction. >> not a keister ride but a cab ride has a philadelphia smiling here to ear. philly cab driver got a thus san dollar tip for a less than two minute trip. thousand bucks. freedom taxi driver pick up a man in the early hours of saturday december 13th in old city. they had brief conversation during the less man 1 mile trip the mystery passenger told the driver he appreciated how professional he was and gave him a $989.98 sent tip. wow! do you perhaps maybe have trouble making new friends? >>> you're not alone. it gets more and more difficult the older we get. four things we need to make a new friend and why it gets harder to find them. >> many folks can't start their day without a shower but maybe we ought to try. how that morning routine could be a not so good thing. howard? >> one player from college football i know interests eagles fans has decided to leave school for the nfl and tonight a local college basketball game wh

and the other side of the pendulum, these are states with more conservative states of guns and abortionnd not a surprise that these states went red in the past two presidential elections, and finally, the states that straddle the divide and in other words, the libertarian utopia and marry anybody you want and smoke weed and carry a weapon wherever you want and guess where? think small and sparse, vermont, new mexico and alaska. libertarians, you should be moving there. and in colourists know roots take colour one way, and previously coloured hair another. new vidal sassoon salonist. first, brush roots then, blend through lengths. our most advanced system outside the salon. it's more than colour. it's a work of art. hole range just tell us your budget and the "name your price" tool helps you find a whole range of coverages. no one else gives you options like that. [voice echoing] no one at all! no one at all! no one. wake up! [gasp] oh! you okay, buddy? i just had a dream that progressive had this thing called... the "name your price" tool... it isn't a dream is it? nope. sorry! you know