a r.p. 2.0. 11 million people have not been able to refinance because they are under water and owe moreeir mortgage than their home is worth. the program has been revamped so no matter highway underwater on your mortgage you can qualify for this. you have to be up to date on your payments and you have to have had to purchase the home before june 2009. >> so that's the date. you mentioned paying off the mortgage. what about paying a lump sum to get a lower rate? who is that appropriate for? >> say you don't have enough equity in your home. you know, lenders are strict requirements these days. they are looking for people who have 20, 20 0% in your home. you may pay points. that is paying one or two percent in exchange for a lower rate. another thing you can do is a cash in refinancing. you go to the closing with some money to, your own money to pump up equity in your home and that way you can meet the equity threshold and have a shot at a lower rate. >> great to have you on the program. >> thank you, maria. >> always great to see you and hear your insights. donna rosato. >>> up next we wi

it's accusing the kremlin of carrying out that r.p. goes to italy to get her story first hand. that does it for me coming up in about thirty minutes time my colleague carrie johnson will be here with a full look at your news but first up next our special report on the reset in u.s. russia relations and how it's affected by a controversial american plans for a missile defense system based in europe. the most vital national security interests of the united states would be most effectively realized not through hostility to russia matou cooperation with it. nicely and russia and the united states can reach a settlement of the establishment of a global missile defense system on. this plane research is in jeopardy even the new strategic arms reduction treaty between moscow and washington has been unable to help. at a time of warmer bilateral relations needs whose top brass decided to deploy a missile defense system aimed at protecting europe but they were setting up too close to russia's borders and most go didn't view it as a friendly gesture. we want to defend the whole europe not

a real clear parallel between could r.p. of course and bashar assad for one. reason and that is between us there's also a fairly comprehensive regime it's not quite the same person if occasion of the state that khadafi was of course there is of course the significant cult of personality that surrounded the syrian regime long before bashar assad came to power of course and so when we're talking here about the syrian government not just talking about bashar assad we're also talking about the entire back the regime that's backing him up with all of their supporters and a pretty significant state apparatus and that's something that really needs to come into play or we're not just talking about a single individual who pulls all the strings of the state having said that i think it's fairly clear that there is simply too much water under the bridge at this point there been too many deaths there's been too much bloodshed and a tremendous amount of polarization between opposition figures. not necessarily in terms of just the leaders but in terms of the people who have