>> well, i agree with roben that those are some of the key points. the other points that i would really single out are as your report mentioned, i think the derivatives rulings are really, really important. the fact that derivatives, now most of them have to be exchange-traded and they have to be centrally cleared this was the part of the market that really blew up. and what was so scary about it with hindsight was people really didn't know what was going on there. that is what we refer to when we talk about the shadow banking industry. so it's really important that most of these derivatives now have to be centrally cleared. that means we'll all foe about it, and exchange traded. in terms of where the bill falls short, i would say they should have gone further on the derivatives. you can still, if are you a nonfinancial party, if you are say an oil company, you can still trade in derivatives not on the central exchange. i think that that's a mistake. i think would be better to move them all on to the exchanges. >> brown: roben, bring us to main stree

the goldman sachs settlement and what it all means with andrew ross sorkin of "the new york times," roben farzad of bs week and william cohan. joining me is peter burr rose of bloomberg news. we conclude with "new york times" and mort zuckerman, of "u.s. news and world report." when we come back. funding for "charlie rose" was provided by the following. ♪ captioning sponsored by rose communications from our studios in new york city, this is charlie rose. >> charlie: goldman sachs, the giant wall street firm has agreed to pay $550 million in a settlement with the sec, the penalty to the firm worth only 1% of its net revenues of $45.2 billion last year. news of the settlement came on the same day the senate approved a major financial regulatory reform package which president obama is expected to quickly sign into law. goldman shares up 0.66% as trading closed today. joining me to talk about these developments andrew ross sorkin of "the new york times," roben farzad of bs week and william cohan contributing editor of "fortune" magazine. what does this settlement mean? >> this is what some pe

se cometa el fraude y nos roben el dinero.o y revise si las transanciones... >> que diga, esto yo no lo comprÉ, yo no compré un reloj de 6 mil dÓlares. yo no hice esto, yo no hice esto porque nosotros mismos tenemos que tratar de mantener nuestra seguridad y nuestro ahorro en perfecto estado. no es que deje de utilizar el telÉfono o la computadora como una mano amiga. sino que estÉ mÁs pendiente y trabaje con el banco para ver todo lo que sucede con las transanciones. >> hay que estar monitoreando nuestras propias cuentas y estar viendo, porque un mes despuÉs nos enteramos que nos robaron? no. hay que checar dÍa con dÍa. >> yo quiero tener un millÓn de amigos. >> resulta que hicieron un estudio y encontraron que las personas que tienen mÁs amigos llegan a vivir mÁs, no nada más estÁn más saludables mentalmente, del corazÓn y de todas partes sino que tambiÉn llegan a vivir mucho mÁs. fÍjate esto mejora las posibilidades de supervivencia en un 50 %. dicen que no es nada mÁs la salud mental sino como lo que dijimos la mortandad d