after lois i'm going to come back to peggy and ask her vaus at the state level. >> the ftc has a wonderful new tool at its disposal. it's a regulatory requirement that requires the seller of a business opportunity to provide a one-page disclosure, scream lined, short and tidy as it can be, a series of disclosures about who is the seller, what's the nature of the business opportunity, prior litigation the sellers may have been involved in and perhaps most critically if any earnings claims are made, you'll recoup your investment in six months, start earning $10,000 a month, anything like that they have to provide written substantiation for those claims and the disclosure document also requires a list of references so the consumer has at his or her disposal who purchased this most recently and what was their experience. the disclosure requirement took effect just march 1. and i can assure you the ftc along with our partners at the state and federal level will be vigorously enforcing it. >> peggy, how about at the state level, what source of resources for consumers who want to learn more about

i vau that as one of the most important parts of what i'm there to do is to make sure that we are goodsturts of the resources we have, that we are acting smarter or faster than we ever have been. weep are doing significant rebuilding of the infrastructure of the security to reorganize our enforce then the and examination program but and to build the support there. >> i have one more question, mr. chairwoman, if i maynd that is the information between the information technology president obama, whatever you call it in your agency. what -- can you bruised briefly describe what you're attemptling to do insofar as your automated platforms are designed to do and how that may be able to save the agency money and reduce our dependence on more and more personnel. >> we believe we can dramatically cut our o'& m costs just by moderning them and getting them off 10-year-old infrastructure and that those savings for ed car and sec.gov could be as much a 14 percent. those are two very quick things. i believe also by eliminating the siloed strurtier of our technology and allowing our staff to access one l

what do you do when banks are paying next to nothing for the cash that you stash in their vaus? we recently spoke with financial planner larry swedroe that the spot that savers are finding themselves in. >> if you have cash in the bank, earning interest, you are luckly to be getting 25 cents for every 100 dollars on deposit. that's the impact of these record low-interest rates. larry is the director of research at buckingham asset management, he is with us again, nice to see you. >> pleasure. >> so how can savers maximize their cash in this era of low-interest rates for the next couple of years. >> that's a really important question. one of the ones i am getting asked the most. as soon as i hear that my first response is you are telling me you need more risk in your portfolio, is a no, i want more yield. >> i want more reward, larry not risk. >> and it's really the same thing generally. and we think it's much better to take the risk on the equity side where you can diversify more effectively and you get the higher returns in a tax-efficient way. on the bond side you want to keep

tear vau back -- tara is back. she has good news and bad news. >> that's right. of people were waiting for that. but the bad news is that the east shore freeway is looking pretty backed up from oakland all the way past golden gate. you can see just how stop and go it is. definitely give yourself some extra time. i know that -- you can kind of see on the left-hand side, the carpool lanes are not really in effect. there are sections that have carpool lanes. but once you start approaching the maze, you are gonna get parlayed. this has actually picked up. this is northboundp as you drive towards downtown, looking a lot better than it did even 15 minute ago -- 15 minutes ago. and traffic on the left side of your screen, traffic pretty gridlocked. >>> let's check in with steve. >> thank you, tara. happy friday. cold this morning, more 40s now and some upper 40s to 50. mostly sunny a few high clouds coming 0er the top of the ridge -- coming over the top of the ridge. that's it. it's still gonna be nice. a little breezy at times. temperatures because of the rain, clouds,