pcs. this morning in about 45 minutes we get big data on unemployment, weekly jobless claims but they gather sporns. earnings from at&t morgan standly and pepsico. the dow was off, 12,571 is where we closed. the nasdaq lost steam as well we lost 12 points there, 2814. a new government agency opening its doors for business today t consumer financial protection bureau was created by the financial reform bill which was signed into law one year ago today. it's designed to be the financial version of the consumer product safety commission, policing unfair deceptive practices by banks for example, mortgage lenders, credit card companies, collection agencies. it's the flash point of controversy. it doesn't have a director yet for example and republicans already want to slash funding. right, paypal has been a driver as you know, scott, of revenue for ebay, now thinking of taking the payment site offline. ebay plans to test a point of sale system in several major retail chains next year that would let you use paypal to pay for items in stores just like you would use a credit or debit card. scott, back to you. >> nicole, thank