. >> and now for a deep dive on the policy, i'm joined by toby cosgrove and she worked with the whitethe white house to develop obama's health care law and obic roy who is working with with the research institute for forgdz who advised mitt romney on affordable care act, and what are you seeing. roy forbes? >> well, it started out to decrease the cost, and the jury is not in on that yet, and you have to understand that the costs are not about the costs of the individual, but also about the the costs of the health care across the nation, and it has improved -- >> and you as the head of the cleveland clinic, you would know. >> and you have is seen the costs down? >> yes. with we realize that the pressure is on the health care providers across the country to help make health care more affordable and greater efficiency and we have seen the national quality indicators go up, and access to increase across the country, and so there are the main thing that we are seeing is the jury is not in yet on what we are doing as far as the cost can across the country is in. >> and obic. >> well, the co

toby cosgrove.with the white and in the white house to develop president obama's healthcare law and ovick roy. welcome to all of you. let me start with you, doctor. affordable care act, is it working? >> we have seen several good things happen. it started to decrease costs and the jury is not in on that yet. you have to understand that costs are not just about the individual. they are also about the costs for healthcare across the nation. it has improved -- >> you as the head of cleveland clinic, you would know that? >> we would know. >> are costs coming down? >> we try to make care affordable and greater efficiency and bring up quality. we have seen the national quality indicators go up. we certainly have seen access increase across the country. there are -- the main thing that we're seeing is the jury is not in yet on what we are doing as far as costs across the country. >> hospital costs are going up. >> first year, is it not the doom and gloom that was predicted? >> so hospital costs and the und

toby cosgrove. china has agreed to a cap on carbon emissions.ed the agreement from beijing. the two leadeay

toby cosgrove. china has agreed to a cap on carbon emissions. the chinese president announced the agreement from beijing. the two leaders say they hope to cut a deal for an agreement on climate change. >> all major economies to be ambitious. all countries developing and across theo work divide for a strong global climate agreement next year. >> next up for the president, he praised memoirs reforms. theublicans -- race was too close to call last week. a runoff in louisiana next month in that last seat. the big settlement in that investigation, regulators in the u.s. and the u.k. and switzerland have ordered five bank to pay more than $3 billion. the banks include ubs, citigroup, royal bank of scotland, and hbc. ubs will pay the biggest penalties of all, a total of $800 million, and more fines may be underway. the u.s. office of the comptroller may announce today. dow chemical may be moving raising itsdow is orderly dividend to $.42, a 5% this. also reducing its buyback two $5 billion to nine and a half billion dollars. it was said earlier this ye