david, thank you, tobias, always good to see you. appreciate it very much. we've got not quite 48 minutes to go until we close it up. the dow up almost 30 points right now. which is about half of where we were. the nasdaq still positive as well. it's up about ten points right now. >> matt, up next we're talking about the state of the consumer. we will talk with the chairman and ceo of visa. when he thinks we'll start seeing americans open up their wall lets again in a sustained way. and after the bell, i'll sit down with british financier rothschild. and his thoughts on an international standard as it relates to financial reform. >>> as a courtesy, a check of the low priced stocks. i mean the new york stock exchange, citigroup always on the list. bank of america, ford, cemex and ge. esesesesesesesesesesesesesess >>> welcome back from new york, and the clinton global initiative. managing money successfully, a key theme at the cgi in new york. leaders are looking to educate the consumer. one company at the forefront of the effort is visa. the firm announcing p

that turned out to be very awkward when randall tobias' name turned up on the d.c. madame's phone list. they also singled out lamar alexander and bob bennett back in 2003 when president bush was the one appointing the czars, this was lamar alexander's stance then. >> the president of the united states yesterday in a labor day speech in ohio talked about jobs and specifically manufacturing jobs. he talked about appointing a sort of manufacturing job czar in the commerce department, which i would welcome. >> which i would welcome. manufacturing czar, sure, sounds great. but now that president obama is the one appointing the czars -- >> these czars are an affront to the constitution. they're anti-democratic. they are a poor example of a new era of transparency which was what was promised to this country. >> senator lamar alexander. as for senator bennett, he's written a letter to the obama white house complaining about the proliferation of czars in your administration. if you go to senator bennett's website at this very moment, you will see one of the things on his bra

one of the big things, tobias goods, setting the s&p at 1100. there could be highs or lows, but the reality that's your target. procter & gamble has seen the price target go to 70. ubs talk about general electric, go from overweight to neutral. they like the risk/reward ratio. the stock going to 70. the price also going higher. the third member is ibm, raised from equal weight from overweight. they did the same thing tour dell. the other news we're tracking includes a downgrade and a big harsh swap down of aig at credit suisse. they go to underperform neutral. they think it did will he go to $15 a share. last posted $4 o they think the debt load will cause problems. three positive notes on retails. so we're continuing to push and chase not only so many different commodity and currency story, but also the discretionary trade, best buy, gap, costco, all seeing upgrades here today. >> thanks so much. nasdaq has opened sharplier as big cap and widely held technology. stocks are mostly in the green. mi microsoft just dipping into negative territory b