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awarded five-stars from smartmoney magazine.iceyour business needs...k... at prices that keep you...out of the red. this week get a bonus $15 itunes gift card with any qualifying $75 ink purchase. find thousands of big deals now... at officemax. >> predictions, jean nas. >> the flu, try to sleep through most of it. since the government of don't allow opium. there's nyquil-- >> and based on how much i'm swatching streaming stuff on netflix, i think the stock is going to make a major move up. >> brenda: and jonas. >> it's bear. >> brenda: and today, prediction. >> go big on baltimore and the ravens. look at mccormick, the spice company, 50% in a year. >> brenda: gary b, spice unit for you? >> no, not, not at all. i don't like it. >> brenda: and tobin? >> don't get catfished for crying outloud. buy google, use google to get a picturend

awarded five-stars from smartmoney magazine. be hard to lbreathe, and how that feels.e, copd includes chronic bronchitis and emphysema. spiriva helps control my copd symptoms by keeping my airways open for 24 hours. plus, it reduces copd flare-ups. spiriva is the only once-daily inhaled copd maintenance treatment that does both. spiriva handihaler tiotropium bromide inhalation powder does not replace fast-acting inhalers for sudden symptoms. tell your doctor iyou have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. these may worsen with spiriva. discuss all medicines you take, even eye drops. stop taking spiriva and seek immediate medical help if your breathing suddenly worsens, your throat or tongue swells, you get hives, vision changes or eye in, or problems passing urine. other side effects include dry mouth and constipation. nothincan reverse copd spiriva helps me breathe better. (blowing sou) ask your doctor about spiriva. john: thank you california. america needs you the way we needed the soviet unio

awarded five-stars from smartmoney magazine. >>> i have not been on the conference call today. we are going to study them tonight. especially now, when there is no more football or super ball. remember what i said about v verizon and dupont you can't make a snap judgement. i will see you tomorrow. good evening, i'm larry kudlow. before we get to all of our stories, our sizzle story this evening is this, another five year high in a market that jumped 62 points. but gosh does it have legs, the kudlow report begins right now. >> s&p 500 now just 70 points shy of an all time high also up on the day. here now is one of the respected names adam parker. thank you for coming out here. do google beat good add numbers. stock up after hours trading. that tells me that the economy is doing better. what is your take? >> i think the economy is more mixed. it seems to me, google hot today and obviously a great tech story and also an advertising tostory. friday, general electric. kind of told us that world economic expectations might be better. is the world better? >> i think it is possible th

awarded five-stars from smartmoney magazine. making the big romantic gesture. that's powerful.a lumia 822 in red for free. gerri: it is a national copy epidemic. here's the libyans on america's addiction, doctor marc siegel. welcome back. >> is this a problem? you think people drink too much coffee? >> i call it an epidemic. we had a 30% raise in high energy drinks. it causes us to certain risks of health problems. your heart rate goes up from your, your blood pressure goes up, you're not thinking as clearly. we don't know what the long-term risks are. but the real risk is that you don't sleep at night. one third of the workforce during this everyday. gerri: i think of coffee is being not a big danger. but it crosses the blood brain barrier. it's like a real drug in that way. what are the ramifications of that? >> coffee has some health benefits we think it might decrease the risk of certain cancers. it can be good for you. but the caffeine blocks an enzyme that tells you when it's time to sleep. i have some solutions. i think you have to start differently. like you started you

awarded five-stars from smartmoney magazine. my husband saw the utility truck pulled up and said they are here, and they will try to install and i said i would be right there but at time i was a friend's where cbs to chicago and my friend and colleague saw this, and they followed me to the home and i discussed with the installers and i said i was not permit this. they called the police. the police came and they said that they had the right to be there and they needed to install and i said i do not consent to the installation of a smart meter and i decided to retain my meter on the property. >> let me ask you, so our audience understands what is your objection to installing the smart meter? >> well, i have, there are five primary issues our organization, smart meter awareness has opposed the issue. >> give me one, two, three. what? >> privacy. security. property damages. health. and also cost effectiveness. >> so, tell me, how would it invade your privacy. an example. give me a way that it invades your privacy. ought meters are d

awarded five-stars from smartmoney magazine. ♪ lou: this year the flu season is turning out to be especiallyly. according to the latest update for the centers for disease control, about half of the more than 5,000 people hospitalized with the flu are between 65 -- well, age 65 and older. california joining the number of states reporting widespread flu activity bringing the total number of 40 states. nine additional child deaths have been reported this week bringing the total to 29 so far this year. the transportation security administration saying it is dropping body scanners that produce virtually nude images of travelers. the tsa says this can is to be done by june because the company that makes them can't comply with the congressional mandate ordering the stand -- scanners to produce it sticks like figureinstead of the almost nude images. taxpayers spent $40 million also faced criticism for hiring former homeland security secretary michael turn off as a lobbyist for years ago after he left home when security he gave dozens of interviews using his government credentials to promote. up next

awarded five-stars from smartmoney magazine.arly stages to probe the biggest banks over debt collection practices. a set of third-party debt collectors shedding light on the questionable practices of the banks themselves. joining me now is an editor in chief of american banker. what is going on? >> a lot of consumer credit card debt. they don't pay then it is delinquent. and the question is to they have the documents to prove they know the deck? gerri: you have done some good work. the banks did not have the goods or when you stopped paying and details were lacking. >> exactly. do you really owe the money? maybe liz legitimate or not. also due process. gerri: yes. they say a few of the money does not matter but if you come after me ought to be able to prove your case people don't understand when it comes to this kind of debt it is bought and sold like a commodity. some of these companies that collect the debt are light car salesman. >> and banks don't have the original documentation but they will spit out a different balance the

awarded five-stars from smartmoney magazine. >>. >> neil: well, he doped up but did it's unsorry helpis situation one big lie, that i repeated a lot of times. as you said, it wasn't just said no and moved off of it. >> you were defiant? >> yes. >> you called other people liars? >> i made my decisions and they were my mistake and i acknowledge that and say i'm sorry for that. >> neil: so that is very latest. does it have any come back chance for lance? look at bill back then. >> i did not have sexual relations with that woman. >> neil: look at the standing ovations he gets right now. katrina says lance won't be so lucky, why not? >> lance really showed no real emotion in that interview. he never actually apologized. he is celebrity 101 says first admit you did something wrong and then you apologize and then you show remorse. he has done nothing but admit what he has done. this is not a personal situation where he had an extramarital affair or was addicted to drugs. this is all about ego and power and greed. he duped his own foundation. >> neil: there are a lot of people that were duped

awarded five-stars from smartmoney magazine. >>> u.s. fiscal policy, of course, a big matter of concern in davos this week at the world economic forum. house majority leader eric cantor sat down with maria one day after the gop-led house v e voted to temporarily lift the debt ceiling. >> thanks so much, bill. we are talking economy and politics with representative eric cantor right now, and representative, great to have you on the program. >> great to be here with you. >> thank you so much for joining us. >> let's get right to t.yesterday or this week rather the house passed a debt limit extension until mid-may. what does that buy us? >> well, what is buys us is a time for this debate about borrowing and spending to really develop into what i hope will be a robust discussion that will yield some results. we know that for almost four years the united states senate has not passed a budget, and that's part of the problem that's been contributing to the out-of-control spending in washington, and what we've said is we will extend the debt cei

awarded five-stars from smartmoney magazine. >> this is weird. point, click, kill.n says man she met through match.com tried to do just that. after mary kay beckman ended an eight-day relationship in 2010, she says this man returned months later in an attempt to take her life. stabbing her ten times. claims match.com doesn't do enough to warren customers there may be people on its site like this and is now suing match for $10 million. ills the dating site to blame? s to she have a case? >> i think she has a legitimate claim against the web site. this is a very extreme case and it's the kind of case that can produce results. yes, she is suing them for $10 million. what she really wants is for match.com to do a better job screening its subscribers and notifying its customers that this is possible. of course everybody assumes some risk when they join a site like this, but they should let their customers know that these kinds of extreme situations are not just possible, they're realrealist, because it happened to her. when i heard about this story, i did a little resear

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awarded five-stars from smartmoney magazine. executor of efficiency.ur from a mile away... while going shoeless and metal-free in seconds. and you...rent from national. because only national lets you choo any car in the aisle...and go. you can even take a full-size or above, and still pay the mid-size price. now this...will work. [ ale announcer ] just like you, business pro. just like you. go naonal. go like a pro. ♪ lou: this year the flu season is turning out to be especially dangerous for the elderly. according to the latest update for the centers for disease control, about half of the more than 5,000 people hospitalized with the flu are between 65 -- well, age 65 and older. california joining the number of states reporting widespread flu activity bringing the total number of 40 states. nine additional child deaths have been reported this week bringing the total to 29 so far this year. the transportation security administration saying it is dropping body scanners that produce virtually nude images of travelers. the tsa says this can is to be done b

awarded five-stars from smartmoney magazine. >>> i am not going to keep cutting the discretionary budget which, by the way, is not out of control, despite what you hear on fox news. >> well, it's not out of control. my next guest would like to know what is? she uncovered these items in the fiscal year 2012 discretionary budget. $141,000 to study pig manure in china. $225,000 to study the habits of jordannan university students, and $20 million on an agricultural based reality tv show in india. i don't know what a hookah hand is? >> i think some of the questions they were studying there was, is hookah smoking better or worse than smoking cigarettes? but this waste is just a tip of a massive iceberg. federal spending is out of control in pretty much all areas of the budget. >> the point you're making is, when senator landry said, no, fox news would have you think it's in the discretionary part of the budget. well, it is out of control there well, is it not? >> discretionary spending grew by 40% over the past ten years, yes, it is out of control. it's true the entitlements are driving our s

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awarded five-stars from smartmoney magazine. ♪ melissa: so immigration reform is big news this week.senator chuck schumer, republican senator, john mccain, teaming up to present their overhaul of the system, but what's the true cost, and what would it mean for the economy? here's to crunch the numbers is the center for immigration studies. steve, thank you for being on the show. >> thanks for having me. melissa: when we talk about the issue, i want to drill down on the numbers here and put emotion and politics to the side and what it means for the the economy. the biggest problem that we have right now is that we're having trouble growing gdp, and that's why we're not getting people become to work, one of the big reasons, and it strikes me from an economic perspective that the way you grow gdp is by adding to the population. you know, a bigger populationings that's more labor, more consumption, a bigger tax base. you're a bigger economy like china. wouldn't more legal immigrants help us grow the economy? >> there's no question that adding more labor input makes the economy bigger, bu

awarded five-stars from smartmoney magazine. [ male announcer ] the distances aren't getting shorter.1500 with best-in-class fuel economy. .. guts. glory. ram. the new ram 1500. motor trend's 2013 truck of the year. [ male announcer ] how do you make 70,000 trades a second... ♪ reach one customer at a time? ♪ or help doctors turn billions of bytes of shared information... ♪ into a fifth anniversary of remission? ♪ whatever your business challenge, dell has the technology and services to help you solve it. >> neil: well, you might be freezing as temperatures hit subzero levels, advisories issued for a big chunk of the country today. but some folks are hell bent on spending -- try $14 trillion to combat global warming while greening the global economy. it comes as the president is making his own green push, beginning his second term. climate depot dot-com call its absurd. it has the presidential blessing. what do you think of it? >> normally a report like this, we could laugh off, but with president obama invoking god, of all things to fight global warming, this is a serious threat. hea

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awarded five-stars from smartmoney magazine. ♪ >>> from our fox business studios in new york, here, again♪ gerri: well, we've been talking about staggering new statistics out revealing how serious the student loan debt crisis is in this country. is it the next bubble to burst? david and author of ""entering the shift age," joins me now. great to have you here. >> it's a pleasure. gerri: how bad is the situation? i look at the numbers, and, frankly, astonished. average student loan debt in the country is over $27,000. you graduate into the world, and you have almost $30,000 of debt on your back. almost impossible to get started. how bad is the situation? >> well, the student debt is just part of a larger bubble, the higher ed bubble. in other words, you have student debt that's over a trillion. i guess this is the show to talk about trillions, and you have on the supply side, you have universities going deep into debt. you have a system where the economics are unsustainable. the outcomes are questionable. the inefficiencies no longer cut it. if you look at the tech bubble and the real esta

awarded five-stars from smartmoney magazine.ely so this is a big deal, our first full team gathering! i wanted to call on a few people. ashley, ashley marshall... here. since we're often all on the move, ashley suggested we use fedex office to hold packages for us. great job. [ applause ] thank you. and on a protocol note, i'd like to talk to tim hill about his tendency to use all caps in emails. [ shouting ] oh i'm sorry guys. ah sometimes the caps lock gets stuck on my keyboard. hey do you wanna get a drink later? [ male announcer ] hold packages at any fedex office location. gerri: you'll never believe who is on the receiving end of your taxpayer dollars, and how millions is wasted on medicare. details in 60 seconds. gerri: taxpayer dollars hard at work providing medicare services to illegal immigrants and prison inmates, may friends. according to a new report by the health and human services inspector general, totaled more than $125 million between 2009 and 2011, and joining me now, dr. scott, resident fellow at the american

awarded five-stars from smartmoney magazine. ♪ lou: well, the "a-team" tonight, former deputy assistantent george w. bush, former congressional candidate, fox news contributor. thank you both for being here. let me start with you. the republicans have put right spree this back, retain him, i should say at the rnc despite by the general calling for revitalization, new voices, new ideas, get rid of the old and bring in the new and embrace america. how does that work up? >> i think it's going to work out well, and that think he is going to embrace what was said. a lot of people are hopping on. having said that, he has a point. we have to go and speak the truth to the people. diversity is good. diversity of voices, and i believe the republican party which is supposed to be the party has failed at that. lou: to see the big republican bowl, one of the most republican iconic figures saying c'mon, let's take it up. that is radical. and i have to tell you that i see some glimmer of hope there for the republican party as a result. if a guy like barber steps up, that means this is time for things

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awarded five-stars from smartmoney magazine.hink of unindustries that got hammered during the financial crisis you think about the lodging industry as well as banks because people tend to stop traveling during crises. liz claman is in davos, switzerland, with two titans of that industry. liz:. liz: titans of the hotel industry has to be ceos of hair mariott and hilton. two giants in the lodging industry. they have come here because we're cramming into youth who is tells. the hilton guarden inn is totally booked. >> 100% sold out as you imagine definitely for this week. liz: chris and arne sorenson of marriott. i look why we're all crammed into little tiny apartments and hotels. it has to take forever to build a hotel up here, doesn't isn't. >> it does. we probably worked on this deal for five years. between, reaching an agreement with the owners of the hotel, getting entitlements in davos as you might haj -- imagine can have challenges t took a little less than two years to build it. liz: where is the most fertile ground when it

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awarded five-stars from smartmoney magazine. [ male announcer ] how do you turn an entrepreneur's dreamto a scooter that talks to the cloud? ♪ or turn 30-million artifacts... ♪ into a high-tech masterpiece? ♪ whatever your business challenge, dell has the technology and services to help you solve it. gerri: it is government spending that just won't die. albrecht on a little-known program that congress can't seem to cut in 60 seconds. ♪ ♪ gerri: when it comes to cutting the purse strings, nobody, nobody is worst in congress. i mean nobody. case in point, an obscure program called the christopher columbus foundation, the program offering cash reward for research in the fields of agricultural science and biology. even runs a competition for middle schoolers to use science to solve local problems. they send the kids, the winners to walt disney will for a week. sounds nice except for the fact that there are other federal programs that do the exact same thing like one run by the army that rewards innovative metals coolest with a trip to washington. look, not only is the program redundant and

awarded five-stars from smartmoney magazine. ♪ [ male announcer ] every car we build must make adrenalinet just to stay alive... but feel alive. the new c class is no exception. it's a mercedes-benz through and through. see your authorized mercedes-benz dealer for exceptional offers through mercedes-benz financial services. >>> shares of neighbabors after have upped their stake concerned about underperformance of the shares. this morning morgan stanley, they talked about nabors as a possible m & a partner. >> look at that pop. thank you very much. is social medium making you sad? a new study says users of facebook may have feelings of jealousy or envy after reading posts about their friends or the latest tropical getaway or whatever, but social media, as we know is here to stay. social media stocks have been on a tear but should we unplug to save ourselves? let's bring in dr. janet taylor, community psychiatrist and our own herb greenberg who probably needs a psychiatrist. >> he's been tweeting all the time you've been speaking. >> please, make me feel good about this tweet, america. >> d

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awarded five-stars from smartmoney magazine. executor of efficiency. amateur from a mile away... while going shoeless and metal-free in seconds. and you...rent from national. because only national lets you choose any car in the aisle...and go. you can even take a full-size or above, and still pay the mid-size price. now this...will work. [ male announcer ] just like you, business pro. just like you. go national. go like a pro. >>> oil also hitting a big benchmark today. on pace for the best traek of four years. >> we are above $96 a barrel right now for the wti contract. when you look at weekly gains we've seen in terms of weekly winning streaks this is on pace to have the longest run since august of 2004. so it has really been a strong showing for oil over the last month and a half or so. what is could ntributing to the gains is more bullish sentiment in the market in terms of long positions and futures and options we see, the longest run six months straight. we have seen it since 2006. all of this very bullish for price answers what has made traders

awarded five-stars from smartmoney magazine. >>> i just can't get enough of that shot.back, everyone. to a very special edition of "early start weekend." 42 minutes past the hour. >> first sign of sunrise here on the national mall in washington, d.c., as we gear up for the 57th presidential inauguration. which, you know, is today. it actually is today. today is the official swearing in of president obama for his second term. it will happen at 11:55 a.m. eastern this morning and, of course, we will bring you live coverage of that ceremony and everything going on around it. but the whole thing got us wondering, how does president obama approval rating compare to his predecessor to the start of their second terms. >> according to "usa today" polls he is at 55%, which is five points ahead of where george w. bush was in 2005 but seven points behind bill clinton. >> ronald reagan had the same rating as bill clinton at 62% and richard nixon was down to 51% in 1973. both lyndon johnson and dwight eisenhower topped everyone here, they reached the low 70s. they were at 71% and 73

awarded five-stars from smartmoney magazine.kay. [ male announcer ] with citibank's popmoney, dan can easily send money by email right from his citibank account. nice job ben. [ male announcer ] next up, the gutters. citibank popmoney. easier banking. standard at citibank. makes it easy for anne to manage her finances when she's on the go. even when she's not going anywhere. citibank for ipad. easier banking. standard at citibank. >>> we are moving dot down side today. about 65% of the time the market does move higher. we are waiting for the 14,000 mark on the dow. we are waiting to see what fed says. we may or may not make it there. >> i'm waiting for 14,000 soesh logically. let's bring in our panel. diane, as is our trend here, ladies always first. do you expect an even bigger surprise for the fed today? >>, i don't. i think the key issue is how they characterize the economy. it can have its own self fulfilling prophecy but they are also very concerned in the beltway that sequestering will go forward. the consequence us is iy

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awarded five-stars from smartmoney magazine. you name it...i've hooked it. but there's one... one that's always eluded me. thought i had it in the blizzard of '93. ha! never even came close. sometimes, i actually think it's mocking me. [ engine revs ] what?! quattro!!!!! ♪ >> as of late 2012, the justice department had not prosecuted any countrywide financial executive, despite the allegations of widespread mortgage fraud inside the company. and, as steve kroft reported, in december 2011, even more puzzling, was the justice department's reluctance to employ one of its most powerful legal weapons against anyone in the company. it's called the sarbanes-oxley act of 2002. [applause] >> it was overwhelmingly passed by congress and signed by president bush following the last big round of corporate scandals involving enron, tyco, and worldcom. it was supposed to restore confidence in american corporations and financial markets. the sarbanes-oxley act imposed strict rules for corporate governance, requiring chief executive officers and chief financial officers to certify under oath t

awarded five-stars from smartmoney magazine. >>> welcome back. breaking news on boeing. right to phil lebeau. >> reporter: the ntsb releasing an investigate on the battery investigation saying they have moved on from macroscopic investigation to a microscopic investigation. that includes chemical analysis of the areas that short circuited and checking flight data recorders. bottom line, still don't know a cause behind the incidents involving the two dreamliners. we should also point tomorrow morning on "squawk box" we'll be having the boeing fourth-quarter earnings, the first time we'll hear from the ceo since these incidents. sure to be questioned about what happens with the dreamliner tomorrow morning when boeing reports earnings. guys, back to you. >> thanks so much, phil lebeau. the dow jones industrial average 50 points away from 14,000. that 200 points away frommin a all-time high reached back in 2007. if you think that's made marc faber less bearish, you'd be very wrong. despite, that marc is the man behind the gloom, doom and boom report and joins me now to talk

awarded five-stars from smartmoney magazine. ♪ i've been working on the railroad all the live long dayight now, we have got a roaring bull market in the railroads. even the rails that we've been wary of because they have too much exposure to the east coast coal markets. >> the house of pain. >> companies like csx and norfolk southern which we kind of gave up for a while are beginning to rally. rallying today big after they reported upside surprises. last night csx up 87 cents, norfolk southern gaining $1.87. 2.2%. big gains all. meanwhile kansas city southern, a railroad stock i recommended back on december 5th delivered a completely stellar unbelievable number yesterday. and the stock continued its run today. closing in the striking distance of its high up more than 20% from where i got behind it two months ago. how can we isolate the strengths driving the rails. in other words, what's the engine behind this bullish locomotive. how do we play it? when the railroads are doing well, we know they order more rail cars. just like the farmers order more farm equipment. and sure enough in th

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awarded five-stars from smartmoney magazine. don't have to leave my desk and get up and go to the post office anymore. [ male announcer ] with stamps.com you can print real u.s. postage for all your letters and packages. i have exactly the amount of postage i need, the instant i need it. can you print only stamps? no... first class. priority mail. certified. international. and the mail man picks it up. i don't leave the shop anymore. [ male announcer ] get a 4 week trial plus $100 in extras including postage and a digital scale. go to stamps.com/tv and never go to the post office again. >>> the house is out of session until february 4th after their crowning achievement pushing through a debt ceiling suspension until may by a vote of 285-144 yesterday. i guess a hard day's work deserves a week and a half of recess. >> amen. >> meantime, the senate is in session today and harry reid and mitch mcconnell apparently agreed on a filibuster reform deal. a senator can no longer filibuster the so-called motion to proceed and killed a cha

awarded five-stars from smartmoney magazine. ♪ ♪ ♪ [ male announcer ] some day, your life will flash eyes. ♪ make it worth watching. ♪ the new 2013 lexus ls. an entirely new pursuit. >>> our live coverage of the presidential inauguration, upcoming. those are live pictures of our set here at the national mall. our beautiful set. it's quite a set here. two stories. we'll be bringing you coverage all weekend and of course through monday, the big day. >>> meanwhile, former president george w. bush was of course invited to the obama inauguration, but it turns out that he can't make it and neither can his father, george h.w. bush. both attended the first inauguration. the elder bush is recovering from a month-long hospital stay due to bronchitis and he's still getting s ting some physical th. a spokesman more bush 43 says they wish the obamas all the best for a wonderful inaugural weekend. for the most part, this will be standing room only, this whole area behind me will be packed. but the good news is, it's already about 38 degrees here. it's going to get into the 50s today. but the bad n

awarded five-stars from smartmoney magazine. >>> the house is out of session until february 4th afterrowning achievement pushing through a debt ceiling suspension until may by a vote of 285-144 yesterday. i guess a hard day's work deserves a week and a half of recess. >> amen. >> meantime, the senate is in session today and harry reid and mitch mcconnell apparently agreed on a filibuster reform deal. a senator can no longer filibuster the so-called motion to proceed and killed a chance for up or down vote on legislation and be easier to appoint members to negotiate with the house once a bill is passed and until now even after a fill buster is beaten, there is still a 30-hour wait before a nominee confirmed. this time would now be cut to just two hours. the leaders also agreed any senator wishing to filibuster must come to the senate floor to do so. now, the steps might seem to represent progress but not nearly what many progressives wishing for. the headline in "the huffington post" says it all calling it failibuster. >> whoa. >> 60-vote senate is still intact. today is ira shap ro an

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awarded five-stars from smartmoney magazine. ♪ (train horn) vo: wherever our trains go, the economy comesrn. one line, infinite possibilities. ♪ . melissa: the world economic forum begins in davos, switzerland, this week the organization releases a new report saying the world needs to spend an additional $700 billion a year to combat fossil fuels. not surprisingly countries are heavily divided who is responsible for paying to lower emissions and greenhouse gases. joining me, tyson slocum, director of the green energy program at public citizen. tyson, welcome back to the show. >> great to be here, melissa. melissa: i wonder how many people flew in on their private jet to make this declaration. what is the carbon footprint of the davos summit, anyway, what do you think?. >> i'm sure it is large. that $700 billion green investment figure, not all of that is public money. what the study talks about is that right now world governments are spending about $90 billion a year on sustainable energy infrastructure investments and they're talking about increasing that by about $35 billion a year. mel