it will require workers to tip the pendulum in a different direction.most recognise that the increased distribution of wealth is fundamentally undermining the american dream. it's a dream of prossesty and democracy. the concentration of wealth - money increasingly corrupting the process. it's a bit of cynicism. it's something i'd like to say. when we look and see that there's a shift in the political culture. there was a time when we lived in an aspirational culture. workers had decent benefits others looked at that and said that's wonderful. i want that. today increasingly people say here is a unionized public service. i is have it i don't, they shunt. >> in fairness just quickly. >> first of all, as far as the collective. i know my worth and i will negotiate my own contract. i don't want to be a cog in the system. i take issue with the collective thing, it's about choice. do you want me to join the group, go ahead and compel me. if unions were great, and was so needed everyone that is given a choice. that's the bottom line. >> we'll have to love it th

the pendulum swinging so far. would agree there are benefits to a union, i would like to discuss the picture. >> what is the conversation we should be having? >> i think we should talk about individual freedoms and rights. workers that you know wan benefits of the union, but not the fluff that comes with it not the political power, money spent on politics inflated you know - i heard the other guest talk about this capitalism. and to be honest. you look at salaries of union leaders and they are far bigger than other, you know corporate big shots. people want protections. they want to belong to an association and be a professional. unfortunately unions put so much more into what they are doing, and people are learning about it and don't like it. >> does the little guy lose out? >> i think the little guy is losing out because a fundamental problem is an increasingly unequal distribution of wealth that's not related. you made reference to the national relations act. we celebrate the 80th anniversary. when the act was

the pendulum swung to a complete positive side.n, people have had a chance to critique some of these aspects, the authenticity of merchandise and volume reporting, the dealing, the political dealings within china and now within taiwan. as people have had a chance to contemplate that. swung all the way to the other side. lock up expirations probably contributing as well. >> i mean these things were out there, but arguably, gill, they have actually gotten worse and they have crystallized since the time the company went public of september 19th. we were talking about counterfeit goods, since then, we know now that the chinese government is investigating this. taiwan, now they are being asked to leave the country in six months. the fake orders, now there's a wall street journal article putting it in the face of every single investor. are you anymore concerned even incrementally about these things? even though we knew they were out there, more tangible now, aren't they? >> well, for the investors that did the work last year, i think the

see a well 0ergdorchard bicycle movement i share my neighborhoods concerned with the fact that the pendulum is starting to swing two favor we took a thoughtful necessarily we have many considerations of merchant as some of the neighbors said no one is one hundred percent happy with the plan that is a compromise we have an opportunity we have an opportunity to take what is being years in the making that many people invested thousands of hours community meetings and this is no last minute change by the city this plan on the table today is in place for years so i'm very disappointed at the last minute that the director brinkman would come up with a plan an to change that that entrenches the two camps you're going to open the doors for people that point nothing removed and the people the bike lanes unfortunately, this board harassed an opportunity now to make the right decision and move forward and do something cobra to the neighborhood if we don't do this woeshg to be fighting over this for years to come. >> thank you tech sf. >> (calling names) (calling names). >> i'm amy the founder of the e

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

after the restoration of the monarchy you have the pendulum swinging from very conservative to the opposite of that. the resurgence of culture and art is prolific. one of the things that comes out of this is the idea of the restoration of a pleasure garden. it is not just a specimen garden. you are not gardening just to feed your family. you are also enjoying the beautiful flowers, the smells. you are enjoying taking your friends or sweethearts and walking them around these gardens. during his education, he comes back and brings that idea with him. i we are in the wilderness -- here we are in the wilderness and you have almost a medieval style house his father has built. arthur allen ii going to bring some of the culture he learned in england and establish that here. he builds a 1.5 acre english pleasure garden. they are planting things so he can invite his friends over and they can take a stroll through the garden. he is establishing himself as a leader in the virginia colony. he's really good friend is the governor of the colony, governor berkeley at this time. governor berkeley is involv

this is just trying to swing back the other way from that pendulum that has gone so far. mr. hunter: you mentioned senator mccain and his support for this and that also matches obviously my understanding and his public reputation with a strong interest in acquisition but of course the senate doesn't always follow the will always of one person and not clear that it follows the will of even the senators at most points in time. but how do you see this playing out in the senate? what do you -- how does the picture look to you on that side? mr. thornberry: i think the key place to start is, i think senator mccain is just as committed to this as we are in the house. so it will be a major part of his efforts. we have talked about this from day one when each of us were chosen for these positions, and we are coordinating closely every step of the way. now you are right. it doesn't mean the senate committee is going to have the same language as the house committee. certainly both of us will go to our respective floors, various amendments come and go, and so we'll have to reconcile all

it was attached to a pendulum. >> based on a potential energy formula, mass times gravity times heightead that given height, allowed it to swing down and it collided with the steering wheel. >> this was a virtual re-creation of what would happen if nick's head had hit the steering wheel when the car crashed into the river at 15 miles per hour. there was far less damage to the test glasses than the ones found in the car. >> my conclusion was nick's head did not collide with the steering wheel in the car. >> this proved the glasses had been planted. and if nick hadn't been in the car during the crash, then there was still the possibility he was alive. >> we were a little emotional. well, very emotional but, you know, kind of on pins and needles. >> of course you pray for the best. but i think there's that part of you that knows it could go the other way. >> three weeks later, a search crew found nick's body in the sacramento river about a quarter mile downstream from the crash site. the body had been under water and had resurfaced. >> my whole world changed. i no longer had a son. >> he

the political pendulum. should markets be concerned? we are live in paris and madrid. ♪ jonathan: good morning and welcome back to "on the move." the ftse 100 is up by almost 20 points. the dax much lower. back to 12,000 points per over the weekend, it was all about politics. establishment parties took the headlines. third-place well l -- while la pen's party came in second. charles penty joins us. first, to greg. the winner seems to be a throwback. mr. sarkozy. what is the significance of a win for his party? greg: sisi came at a similar retirement to take over the reins of the first big test. -- since he came out of 70 retirement to take over the reins this is first big test. the view of old all of the papers. national front it did well, 25%. a few years ago, that would send alarm bells. the polls before this election showed the national front and net and not ahead of the unp. the fact it took the first round by several percentage points we do not have the final results yet, but about 3%, closely a big victory for sarkozy. it has to b

a company like pepsico to sustain growth we don't swing the pendulum one way or the other. don't want you to have to pick between a fun for you and good for your product and say, if it is good for you, it has to taste bad. all of pepsico's products taste great. we have to make sure we are ubiquitously available. we strive to give you a full range of great tasting, fun for you, better for you products wonderfully priced. >> katy perry, big hit for the company? >> big hit for the company. the halftime was awesome. >> that's indra nooyi, the chairman and ceo of pepsico. thank you so much. "mad money" is back after the break. >>> brewed for success? it may have started with a cup of coffee but starbucks is serving up so much more. can the ceo keep serving up fresh gains? cramer has the exclusive with the ceo when "mad money's" tenth anniversary celebration continues. there's nothing more romantic than a spontaneous moment. so why pause to take a pill? and why stop what you're doing to find a bathroom? with cialis for daily use, you don't have to plan around either. it's the onl

is the pendulum swinging towards inflation? >> this depends on how it plays out with oil prices. we were having this debate during the break. we were just looking at a falling oil prices. why have oil prices fallen? we had a supply shock and a demand fall from the rest of the world. the reason oil prices are low is not because we have low demand in the u.s. and not because we are experiencing problems in our demand. that should eventually translate into higher prices. people will have more disposable income to spend on those other things. >> the price of oil, does the fed be this is a problem for the overall economy? >> they probably see it as a good shock. it is a hit to a local sector in the u.s. i don't think it is anything bad. it is a pass of transfer of wealth from the rest of the world to the u.s. >> the bond market, people are making this company sold a record amount of debt recently who will have trouble refined to test have trouble refinancing -- will have trouble refinancing. >> we will be right back. ♪ mark: welcome back to "bottom line" special coverage of the fed's

when there is a pendulum swing of served and when they finally got rid of that benedict is in addition to that than they do say we need to get ahead of this place. you talked about the steps francis is taking to shift the culture. but what hope do you have that he may actually do something to shift the doctrine and what doctrine do you think you might be interested in shifting in their the views on women in the church? >> did you hear that question? he's changing the culture but will he change the doctrine? john xxiii didn't change the doctrine on his own. that is where the monarch. what he did is called the council. it is especially on the whole business of the jewish race. the council changed that. now i can say that it isn't easy for the rulers especially when they start thinking they are absolute rulers to reverse the court. he was told by others but lots of things get changed in the church by destitute in the indulgences. there've been a number of cases where they just stop believing it. that's happening now in the sacrament. that happened often and things came in for instance and

this is just trying to swing back the other way from that pendulum that has gone so far. mr. hunter: you mentioned senator mccain and his support for this and that also matches obviously my understanding and his public reputation, but the senate doesn't always follow the will always of one person and not clear that it follows the will of even the senators at most points in time. but how do you see this playing out in the senate? how does the picture look to you on that side? mr. thornberry: the key place to start is, i think senator mccain is just as committed to this as we are in the house. so it will be a major part of his efforts. we have talked about this from day one when each of us were chosen for these positions, and we are coordinating closely every step of the way. you are right. doesn't mean the senate committee is going to have the same language as the house committee. certainly both of us will go to our respective floors, various amendments come and go, and so we'll have to reconcile all that. but i think there is a tremendous amount of common perspective here and

there was a mountain of litigation from dodd/frank but but i do think the pendulum has shifted too farharles: the you think something like dodd/frank has to get done? there is something to be said about understanding what the rules are. >> practically with the small size banks they are interesting lenders in the crow i will tell you all lot are concerned about a lack of due diligence and scrutiny. and some are relying on the process. it is like when they bought for the credit rating. they did not do their own due diligence. then the to the online marketing. >> paypal and square with capital division that is the future. if i am a small businessman need an extra $50,000 with my receipts coming in every day. that could help the business grow. charles: is there an investment opportunity? was the first earnings report to e as a huge potential with the business side is there any way you see this? >> glinting club is of a dangerous idea but as most ipos they have the splash deal with bank of america and it will take time to shake out in investors how they value earnings or the lack of earning

you saw the pendulum swing to where they wanted to be plied by hospitals or have their -- employed byr have their practice applied. it's been very positive for the physicians and that they can focus on what they love to do and what they went to school to do and this is deliver quality patient care. but it's created a new dynamic for the health care organizations and they really now need to be cognizant of how they staff those physicians if they should have a vacancy and vacancy is up. it's up in physician, nursing, all areas. >> you helped them because that's exactly where you come in. >> absolutely. >> wow. what a good business you have. really terrific. need i point out that right after she told you that things were about to get hot in her business the stock jumped 50%. so you should listen. "mad money" is back after the break. >> announcer: lightning round is sponsored by td ameritrade. >> it is time. it is time for the lightning round. you say the name of the stock. i don't know the calls or the name of the stock ahead of time. sell sell sell. i tell you whether to buy or sell. wh

>> i think this is one of the areas where the pendulum has swung too far. this is not because of some law congress has passed. it has gotten worse with the administration. part of what i think we have to have is this close cooperation of industry and government, and that's going to include inevitably people who move back and forth. if you don't let people move back and forth, who do you and up with? people who don't have experience in what you're dealing with. part of the reason i think it's essential to simple find the chain of command -- simplify the chain of command is so you can have more transparency and hold people accountable for the decisions they make. we have a requirement for people who are part of the acquisition process to also have ethics training that is targeted to these sorts of situations. there are ethics classes but my thought is targeted for these sorts of interactions, make it more transparent, but understand that sort of cooperation is essential, and it includes people who will move to different jobs. >> i had a hand here in the back

as i said as that pendulum has swung back lenders are willing to lend there's less fear of loan buybacksnnie and freddie as they changed some of their new regulations. you can get loans with lower down payments and it's giving more people access to the housing market. a lot of people have been left on the sidelines over the last few years because of the very very, very tight credit standards. >> yeah. that's for sure. doug, good to see you. thank you for joining us. let you get ready to ring the closing bell at the nasdaq. doug lebda from learning tree -- >> lending tree. >> what did i say? >> learning tree. lending tree. >> where am i today? >> in apple land. >> the dow up 152 points. yes, we are back above 18,000 barely. we'll see if that can stay there as we head to the close. the s&p is up 9. nasdaq up 14. >> up next, the bulls are still running but the tide may be turning as one well respected wall streeter is warning investors to brace for an upcoming correction. jeff cox joins us with those details next. >>> and later it's the hot story of the day, the apple watch event. we'll rev

as is the case with any sea change, the pendulum might have swung a bit too far in the opposite direction field for actors of any race to compete for any role in the color-blind manner, there are a significant number of parts designated as ethnic this year. here's the thing. i'm very, very happy this article was written. because it reveals the awful truth about many of the institutions and the people deciding what you see. joining me now is film and tv producer, gavin palone, and the artistic director of the classical theater of harlem. great to have you both. gavin, you bro a great piece in 2012 the logic behind hollywood's resistance to black entertainment. which was a sort of i think a different cultural moment then. but why has it been difficult at other periods for films that are about folks that aren't white to get made or tv shows? >> that's really simple. people have a tendency to want to make film product about things that they really understand, and that they connect to. unfortunately, and wrongly, the people who run major entertainment companies, in the big media conglomerates,

the fashion industry and the retail industry want it to swing like a pendulum.t everything but many things. and this is -- >> jimmy: again, gorgeous. like a bacon and fried egg? [ laughter ] >> that's what it looks like. but what i find interesting is across her knee is written "poo." [ laughter ] i think that says it all. >> jimmy: that says it all right there. you don't have to say anymore. you did it, yeah. poo, gosh yeah -- treat yourself with respect. i always appreciate these tips. and i love the book. and there's always some mentoring in here teaching. even when you're on the show and you're coming, you're going make it work. and by the way, i love the title, "the natty professor." >> thank you very much. >> jimmy: i'm a big nutty professor fan. >> well, that's where it came from of course. >> jimmy: i know. i loved it. >> and you're in the book too, you know. >> jimmy: you say very nice things about me. >> well, who wouldn't? >> jimmy: well, you don't say nice things about everybody in here. >> no, i don't. [ laughter ] >> jimmy: do you get in trouble fo

the pendulum has started to swing now. it's been 15 years, 14 years. again we can't live in secrecy forever. the government, the post-9/11 spending bill and security bill, that ought to be subject to government accountability and scrutiny by taxpayers and by the oversight folks the same way that any other government action would be. >> host: we have time for a couple more calls. evo in washington, hi there. >> caller: good morning, thank you for taking my call. i have two or three questions i would like to ask. number one, one caller called in and said the president wasn't properly vetted. it seems to me that he was vetted by everybody including the burgers. number two, would we encourage government agencies to give papers that are imprudent and not wise to give and thirdly, do you feel that news people report the news or do they create the news? it seems to me that they want to sell papers more than i want to inform the american people. >> host: interesting question that last one. >> guest: i think that we produce news that people want to read. we hav

this is just trying to swing back the other way from that pendulum that has gone so far that software has to have a collusion report staffed and written for. >> you mentioned senator mccain and his support for this, and that also matches obviously my understanding and his reputation. but, of course, the senate doesn't always follow the will always of one person, and not good that follows the will of the the the senator is at most points in time. but how do you see this playing out in the senate? how does the picture look to you on that side? >> well, i think the key place to start is i think senator mccain is just as committed to this as we are in the house. and so it's going to be a major part of his efforts. we have talked about this from day one when each of us were chosen for these positions. and we are coordinating closely every step of the way. now, you're right. it does mean the student committee is going going to have exactly the same i would as a house committee. -- senate committee. both of us will go respected floors, there is amendments come into a so we will have to recti

. >> the swing is a pendulum that catapults fliers as high as 30 feet in the air.he team has never performed on the swing in a show before, and they're hoping it will wow the audience. >> we were trying to have something maybe more exciting for the crowd, something they had never seen before. >> what the audience sees is certainly not what anyone expected. with the swing, timing is everything. >> all week before the show during practice, i had been leaving a little bit early, and so i had been going straight up. >> on the night of the show, nicole is determined not to repeat the mistakes she's made in practice. she takes off and does a single back tuck, but she overcompensates. >> i went too far the other way. i waited too long and i pushed really hard and it sent me more horizontal than vertical. >> the slight miscalculation makes a big difference in where nicole lands, and the mistake is compounded by something else that goes wrong that night. >> we would usually practice with an additional smaller crash pad on the end, but for some reason that day it wasn't ther

the pendulum will swing back. >> i would agree with larry. and we'll come back in the republican party. the nominee will not be one of these. it is going to be a jeb bush or mitt romney or scott walker or chunky thick. the governor that could be an advantage for the republicans in 2016 for the reasons i was getting into. governors know that they need to measure outcomes improvement in people's lives. not inputs, which is how big is the budget item. i think they could carry in 2016. >> one of the fascinating about that one would've taken for granted years ago but now it's almost a shock is that nelson rockefeller, not at the presidential level. who is a brilliant campaigner in new york for governor, but what he really likes his governments, that is what he thought it was all about. >> i like the campaigning. [laughter] >> in some ways nelson's finest hours one minute every two people would think in the abstract. it is funny because there are people with long memories who in the mid-60s fought what today we could not conceive the and heroic bat

. >> the pendulum swings and swings back. have a great weekend. >> you too. >> thank you so much., keeping an eye on the markets with the dow down almost 200 points this morning after that strong jobs report. 10-year is moving higher. pressure on utilities in particular here. more on apple's move into the dow. what that means ahead of monday's big apple watch event. we're back in two. ameriprise asked people a simple question: can you keep your lifestyle in retirement? i don't want to think about the alternative. i don't even know how to answer that. i mean, no one knows how long their money is going to last. i try not to worry, but you worry. what happens when your paychecks stop? because everyone has retirement questions. ameriprise created the exclusive confident retirement approach. to get the real answers you need. start building your confident retirement today. >>> good morning, everyone. i'm sue herera. your news update at this hour. mercedes plans to build a new van plant in charleston, south carolina. the $500 million project will create more than 1300 new jobs. construct

i do not think you can pendulum away. digital is growing. let's talk about matthew mcconaughey, the "true detective"-style lincoln commercials. did you call what he houston? -- woody harrelson? steve: we are delighted with what he is doing. olivia: what kind of turnaround have you seen in lincoln? steve: last year we saw the brand grow 16% in the u.s., this year 12%, that is driven by new products. in china, we've only got nine or 10 dealerships and we aim to have 25 by the end of the year. we had a good plan but a long sustainable plan. i do not believe you push luxury. people pull luxury because they want it. that will be driven by products and communication. matt: you are the global chief marketing officer. china has got to be a focus because it is growing quickly for ford and lincoln. how do you want to put forth -- you have a blank canvas. steve: we sell 1.1 million units last year. mark fields announced our sixth plant yesterday. it is the biggest market, 25 million units last year with a growth rate of 7%, erring towards 30%. we have

we are really talking about -- depending on which way the pendulum swings.to us hypothesize. this is all sheer speculation. you outline clearly that this is sunni versus shiite. how likely do those concerns become a reality that we could see disruption with saudi arabia? philip: the southern border of saudi arabia is much more open to infiltration from terrorist because it is basically does it. it is not like the northern borders which have much better-- are much better guarded against iraq and other threats in the region. and this is why saudi arabia has reacted this strongly against this development. manus: have you readjusted your overall -- yet ready readjust for 30 bucks oil. everyone has got to readjust to a new paradigm. here we are. inside and suddenly we are up 70% in five days. for an asset manager, it's not an item in isolation. you have readjusted your portfolios. you're not shaken to the corea? ? manish: i invest more in oil services. if there is a cut in capital expenditure, i am not so much concerned about the stock. so. i'm happy to hold that

it is this constant pendulum at the cia about how information will be gathered and what is more valuabletion guys seem to be winning the battle right now with the reorganization at the cia. it is worth noting that u.s. businesses have been really hurt by this. whether it is microsoft or amazon or cisco, all of these companies are talking about how difficult it is to sell their products overseas because those customers don't trust them because american products might be being hacked by the u.s. government. erik: thank you. cory johnson, r bloomberg west editor at large. stephanie: when we return like the famous show "law and order," it is a john of that is ripped from today's headlines -- drama that is ripped from the headlines. ♪ stephanie: welcome back. cyber security is not just fodder for nerdy misfits and white hat hackers. it is now in prime time. "csi: cyber" is the latest spinoff of the wildly successful series. check out a clip. >> this is a rendering over the roller coaster. >> over 100 failsafes designed to stop the roller coaster. >> all installed for one ultimate purpose. pre

in ukraine's history, ancient history but post-soviet history , has been sort after pendulum swing between these go phenomenon. you had yanukovych -- >> i don't mean to interrupt you. we're having very long questions today. we need a question. >> you get to the a sense to which ukrainians favor a disperal of power in their political system where there are checks on the power of a leader, like you see with poroshenko many checks are formal within the street and formal and constitutional or whether they do pine for this sort of strong man. >> thank you very much much. the negative attitudes towards putin certainly suggest to the contrary and rejection of his claim of right to intervene to protect russian speakers, speak to that as well. by the way, russian speakers, we pulled them out and they reject the idea as well. as for views of russia more broadly, we did have the question about russia's role in influence in the world more broadly and russia did not do very well, except in somewhat of the rebel-held areas. the overall finding of the survey is that we're not seeing a clear attraction to

and i did talk to a prosecute in toledo who was a little worried that the pendulum may be swinging too far in the direction of serving kids in the communities. she cited cases where there were felonies committed by youth and were assigned to community detention and would have to check in in the morning and kept busy all day with community service and treatment and they would be monitored even at night or g.p.s. monitoring and that kind of thing and yet they had further felonies and she was a little worried that at times they would be recommended to again have community detention rather than being locked up. she worried that the deterrent factor of -- if the threat of going off to state prison, juvenile prison was reduced too much, that that would lose a deterrent factor there. host: taking your questions and comments about stacy's story in the "christian science monitor." we have divided our lines differently. parents call in at -- host: mickey is a parent in illinois and go ahead. caller: thank you for taking my call. this is a complete deterrent for children who are going getting int

you think that as we go through our society, the pendulum swings and our millenials should do betterw better. when i saw this it showed me if the house mother is doing this this is so prevasive in the culture of that fraternity that it now is very clear that this is an institutional problem. it's maddening that we're still talking about these issues. >> she's singing a song. >> she's singing a song that those words are in the song. >> we should never use the n-word. no one should use it. >> no one should use that word. i know people who are her age who are my color who say that word when they're saying a rap song. >> it should be retired. >> it should be retired. i don't know if that makes her racist because she sang it in a song or some kids had her singing a rap song. i don't know if that makes her racist. >> i also question her common sense. she appeared -- >> i agree with that. >> she appeared in an interview and expressing shock, surprise and disappointment. then it's revealed that she used the word and she was -- >> don't you think it's out of context. she's using it in context

>> barney frank, has the regulatory pendulum swung too far to one side do you think? >> no not at this point. we are still in the early post recession sector. with lending, it had gotten out of hand but if you look at the overall amount the overall effect, we have an economy that is performing better than any economy in the world of a developed sort. we have a market that continues to do very well. we have financial institutions with morgan stanley up 6%. as far as capital standards, i want to make this separation. that's probably a result of -- i have no -- i can't comment on what would be the major whether -- it wasn't the result of the bill. but i think it's too early to declare complete victory. it's still running with department institutions and they are doing very well. yes, there has been regulated, one of the things we did do is a legislation, was to create regulations, institutions that were not within the normal regulatory sphere of the consumer bureau has regulations over there. i will say that one thing that the regulators did since the bill which i regret

we've gone so far the other direction now because those tools weren't used in the past and the pendulum swings the long way the other way. but if i had to choose, i would rather have a process where the regulators are keeping tabs on capital distributions versus pre-crisis when, let's face it a lot of people were asleep at the switch. so it is what it is. as one of your earlier panelists said you may or may not like it, it is what it is but i would rather they are doing this rather than what they were doing pre-crisis which is not much of anything. >> bill? >> thank you for your comments. i think of bank of america, bank of america's primary capital problem is the government comes in every two or three months and tries to strip away some of their capital to penalize existing shareholders and existing employees about something that went on seven or eight years ago. then they come on and they want to tell them how much dividend to pay and how much capital to return, and dick was on two years ago and he said if they had called me in 2005 and 2006 he says, you know, we were not making loans

so that i would argue there is a bit of a pendulum swing to this process that is for the moment trending in a direction of more sharing and willingness to share information. but again, i would argue in intelligence channels, that's not an immediate thing that just happened in the last two weeks since paris. that's been a pretty consistent refrain over the past couple years. the politics of this issue are very different for some of our european partners. but as professional intelligence organizations working with each other, i would argue a lot goes on that we can be comfortable and is useful to us. >> i thank the gentleman. my time has expired but communication is key in this realm. you have acknowledged that. mr. chairman, i appreciate the lenience and i yield back. >> thank the gentleman for his insight as always. gentleman from new york. mr. hill gins. higgins. >> thank you, mr. chairman.higgins. >> thank you, mr. chairman.higgins. >> thank you, mr. chairman. just on two aspects of this. one is the nature of terrorist attacks have changed profoundly. al qaeda and al qaeda in the arabi

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point to that even with slight gains, even with slight gains, we sometimes on these issues have a pendulumneed for reform. we can build bridges. we can bring police and community together. everyone wants to live if you will, in a safe community. and i hope that the report is a call to action. the urban league offers its recommendations on how to address many of these issues. but we encourage every community, every city we encourage those across the board to look to the facts in this report as a way to inform the discussion. >> i want to get specific regarding police right now because in a newly reported incident four ft. lauderdale police officers were fired after racist videos and texts that were uncovered. listen to what ft. lauderdale's chief of police had to say yesterday. >> all four officers' conduct involved racist text messages exchanged among themselves and former police officer alex alvarez created a video that was racially biased. the four officers' conduct was inexcusable and there is zero tolerance for this type of behavior within the ft. lauderdale police department. >> in th

the laws about transparency and the operations of the government , the pendulum slung sharply in oneirection that was to keep everything secret. we weren't sure what information might be useful to al qaeda and other organizations. it has started to swing. it's been 14 years. we can't live in secrecy forever. the post 9/11 spending boom and security boom, that ought to be subject to government accountability and scrutiny by taxpayers and by the oversight the way any government action ought to be. host: we have time for a couple of more calls. caller: good morning. thank you for taking my call. i have two or three questions. one caller called and said the president wasn't properly that it. it seems to me that he was feted by everybody, including the bursars. with the guest encourage agencies to give papers that are imprudent and not wise to give? third, do you feel that news people report the news or do they create the news? it seems that they want to sell papers more than they want to inform the people. guest: i think that we produce news that people want to read. we have an important

and you have a lot of things that have definitely -- the pendulum swung pretty far. go back and start lecturing and cajoling and everything else again. capital markets are important. and if anything credit is still too tight, you know given the amount of oversight and everything else that the financial sector is experiencing right now. >> absolutely. it's like a parent. sometimes, you have church. i have children. we have to overcorrect our children. we've way overcorrected. and money supply is tight. we need to open that up a little bit. i'm not saying open up the coffers and let anybody get a loan. but the u.s. stock market and the economy has proved it can go alone for a while. the fed now is dangerous to actually becoming behind the curve. and ultimately, we still think that the united states stock market and economy is the most pristine and stable in the world. now, the fed kind of needs to get on board with that. so we still think the second half of the year we are going to seat fed move interest rates higher. >> you know brian i was actually thinking let's see

now the pendulum has swung too far the other way. >> that is true. index where we were looking at what the trends look like. we found we're 2/3 of the way back to what looks like a normal credit access back in the early 2000s. now, we're better than we were in 2010 which was the worst peer period for credit access. we're still really far off to the 2005 levels which we had the easiest access. we certainly don't want to get back to those levels but it would be better at the 2000 level. >> we're another 64.8% homeownership versus 69.2%. so what's normal? >> normal is about where we are. basically we hit 63% in the 1960s and we have been balancing since then except for a brief period in the sun when we thought we could goose it and get up to 70% which turned out to be a mirage that was not sustainable. >> stan thanks for coming in. >> ya. thanks. >>> coming up the women of silicon valley. julia boorstin reports on gender diversity at some of the nation's biggest tech firms. and the numbers may shock you. that story when we return. [ male announcer ] you

one prosecutor was worried that the pendulum may be swinging too far.ited some cases where there were felonies committed by you and they were assigned to -- youths and they were assigned to community programs. they would be monitored even at night or gps monitoring. in some cases, they did have further felonies. she was a little worried that they would be recommended to have community detention rather than be locked up for multiple offenses. she worried that the deterrent factor in her, if the threat -- factor if the threat of going to state prison was reduced to much that they would lose a deterrent factor. host: stacy teicher khadaroo taking your questions and comments about her recent story in the "christian science monitor." "keeping kids from crime." we have divided lines a little differently this morning. parents, law enforcement, and all others. mickey is a parent in illinois. go ahead. caller: thank you for taking my call. this is not a complete deterrent for any children that are getting into trouble, of course. i noticed that there are so many