the companies -- what companies are afraid of what the unions want to do with car checks, wal-mart. target. michael's stores, the greatest success stories in american history. and, the industries that are on -- flat on their backs or need a taxpayer bailout, the airline industry. unionized, the auto industry, unionized. >> dagen we have a great opportunity to do educating here and the card check provision which everyone calls, the card check bill, the provision is gone and they've moved on, to having enlightened things like better collective bargaining. >> wait, no. no. no. wait. before you even move on, we clearly have a congress and a white house that wants greater government intervention in business. and, this bill to help unionization definitely does that. because the private industry has to go into binding arbitration, with a federal arbitrator, if they cannot come up with a -- with a contract with the union. what does that say -- >> gary k., speaking of congress, how after the tooth and nail fight over health care, how can the unions have their priorities so highly placed that

. >> there are so many things that wal-mart is looking forward to doing, like helping people live better but mostly we're looking forward to building stronger communities and relationships because with your help, the best is yet to come. >> nationwide insurance proudly supports tavis smiley. tavis and nationwide insurance working to improve financial literacy and the economic empowerment that comes with it. ♪ nationwide is on your side ♪ >> and by contributions to your pbs station from viewers like you. thank you. [captioning made possible by kcet public television] tavis: at age 16, dwayne betts made a bad decision that would forever change his life. despite being an honor student, he and a friend were arrested following a carjacking and robbery for which he was sentenced to nine years in prison. while incarcerated cement most of his time -- spent most of his time reading, writing. it is an honor to have you on this program, dwayne betts. >> doing great. tavis: let me go right at it. tell me what happened that fateful day. >> i was with a friend. we drove out to the mall in virginia and

i guess because clearly people are taking their dollars to wal-mart and i don't think wal-mart is even in the midst of the recession. wal-mart has been doing pretty well. but if you are talking just in terms of like american values why is it a mom and pop start up struggling and shouldn't we care about that, well i think we should care about that in terms of hiring and retaining the kind of opportunity for of japan doors to discuss the six entrepreneurs and small-business lawyers also suite of small business to succeed in america. what can we do? i don't know at this point if you were asking me how can they battle against a gargantuan enterprise that gets us a comic skills of benefits from being so it is very difficult so what i think you are talking about is small business assistance, tax breaks for small business. you are looking at regulatory relief that would allow them to compete in ways the big boys can't. and all of that is on the table. it's interesting if you look at the small business policies that both president bush and president obama pursued the believe in small business.

is wal-mart makes a profit? >> host: charles, thanks f the call. the boston herald, also a fixture in massachusetts politics is a commentator has posted his story available on line. he says the smoke is brown. scott brown. by some pickup trucks don't let a few flurries bother them whether brown wins or loses. he wrote earlier the lesson is clear the people are mad as hell and they aren't going to take it anymore. he says the party is over for obama and company. bruce is joining from chicopee massachusetts. what happened in your state today, are you surprised by the returns ready to expect this to happen? >> caller: i live in a complex where it is mostly elderly and disabled, and everyone here that all i know what was going to vote for scott brown because they were worried about health care and what not. and it's said, as massachusetts says so goes the nation. i believe in the midterm elections the republicans are going to take back the majority at least in the house because people are tired of spending, spending

guest: wal-mart would say they are offering lower prices.but as you travel down, there is no question that wal-mart takes business away from small business along main street. . the midst of this recession, walmart has been doing pretty well, but if 're talking just in terms of american values, why is it that a mom and pop startup is struggling nowadays and shouldn't we care about that? well, i think we should care about that in terms of hiring, in terms of maintaining the kind of opportunity for entrepreneurs that is so essential to the american dream. a small business hires, also, so we want small businesses to succeed in america. what can we do? i don't know at this point, if you're asking me how can they battle against a gargantuan enterprise that benefits from being so large, it is very difficult. what you're really talking about, then, is small business assistance, tax breaks for small business. you're looking at regulatory relief that would allow them to compete in ways that the big boys can't, and all of that is on the table. it's int

wal-mart is rolling back costs. according to the financial tiernlingsz the giant is starting to buy more products from manufacturers rather than third party vendors. this may allow to reduce costs. it's a savings up to $12 bll billion. stocks tumble on the last hour of trading on the final day of 2009 amoid speculation the federal reserve may draw more of its stimulus records. the focus on maryland sinclair, shares as time warner and news corp were debating about fees. analysts tell bloomberg that broadcasters may start demanding as much as $5 billion a year from cable tv providers and subscribers. that's business at the new york stock exchange. i'm jane king, bloomberg news reporting for wbal-tv 11 news. >> in florida county, e.m.s. is looking to speed up response time and emergencies. reports on the new program aimed at saving taxpayers money. >> there's no crystal ball for dispatchers. they never know when or where the next emergency may strike. but now they have some help. >> we need to put an ambulance here. hi

go to negotiate with your insurance company you've got the purchasing power of a ford or a gm or wal-mart or a xerox or the federal employees. that's why federal employees have good insurance, and county employees and state employees have good insurance, in part is because they're part of this big pool. and our attitude is, can we make sure that everybody is part of a big pool to drive down costs. that's the second thing we're trying to do. third thing we're trying to do is to try to reduce costs overall because the system -- how many of you, you go into the doctor's office, you fill out a form, you get a checkup, you go fill out another form, somebody else asks you for the form you just filled out. then the doctor fills out a form, you got to take it to the pharmacist. the pharmacist can't read the doctor's -- this is the only industry in the country that still does that, that still operates on paper systems, that still orders all kinds of unnecessary tests. because a lot of times, i walk in the doctor, i just do what i'm told -- i don't know what he's doing. i don't know whether this te

and you can't afford the $450 say for a set of four tires at wal-mart, the cheapest set you can get.ou can go to rent a tire and sign a nice contract. by the end of the year you will have paid perhaps over $2,000 for that set of four tires. family values. back to the happy talk. family values are another american ideal that the automakers tap into. often with visions of family fun. although a surprising few number of our trips are to actually have fun. commuting, shopping, yes, errand-running, schools, yes. less than 3% of miles driven are on vacation. less than 1% of trips taken on vacation suggesting that perhaps this image should be used by hertz to rent us is car for those occasions rather than being sold to us. and we are buying based on these peak needs. automakers messages around safety also tap into our intense desire to be good parents. to be good heads of family. and parents meticulously pick out the best car seat. they talk safety. they often even buy based on safety data. if we can afford it, we buy new cars for our teens because we think they will be safer new mexico.o'ñ

if you go to wal-mart, it is made in turkey. why the interests of these businessmen pushed turkey in the direction of democracy or openness. a year and a half ago it was rumored that there may be a military coup in turkey because the military was not happy with the choice of president. one of these very pious tycoons, what did he think was the impact of military intervention? he said it won't matter what government rules turkey, they have to listen to us because we pay for the government. we provide the jobs. the budget in the government in turkey comes from us. we pay taxes. is a very western formula. in much of the middle east you don't find that. country after country. a small percentage of money comes from taxes. it definitely doesn't come from productive businessmen and there is no need to open the political system, no need for democracy, no need for openness. it is also true this up and coming middle class is not necessarily religiously liberal. it is conservative but it is interested in engaging the world. let me give an

of tires to pass inspection, and you can't afford the 450-dollar, say, for a set of four tires at wal-mart, the cheap is that you can get. you can't afford that much hundred month. you can go to rent-a-tire and sign a nice contract. by the end of the year you will pay perhaps almost $2000 for that set of four tires. family values. back to the happy talk. family values are unknown the american ideal that the automakers tap into. often with visions of family fun. although a surprising few number of our trips are to actually have fun. commuting, shopping, yes. everybody, schools, yes. less than 3 percent of miles driven on vacation. less than 1% trips taken are on vacation suggesting that perhaps this image should be by hertz determined as a car for those occasions rather than being sold to us again we are buying based on these people needs. automakers message around safety, also tapped into our intense desire to be good parents, to be good until good heads a family. and parents meticulously pick out the best car seat. they talk safety. they often even by based on safety. if we can afford to

"wal-mart, sam's club, farming out 10,000 jobs. engaged in a tough struggle to stand apart, turning to an independent marketing firm to handle in store marketing and warehouses nationwide. 90% of the work force will come from outsourcing the company's division of wal-mart stores inc., most of which are part- time jobs. -- jobs." fred, your thoughts on federal mortgage relief? caller: yes, i think they should stop all of this spending. let me put it in this scenario. with congress, they passed a $400 million omnibus and $870 billion stimulus package. hundreds of billions of dollars, even the health care. no one would pay this stuff except a 1-year-old child. if you took that money, a kidnapper would pay it. host: lina, democratic line. caller: they said that everyone over 18 with 0 $50,000. people that were in trouble with their mortgage, they could have skated down. they could have paid down their house, purchased a car. de spending the money. the system has a way where the government control all of us, i believe. host: thank you a

no jobs, you cannot tell me that wal-mart -- i have lived long enough to see wal-mart, the largest institutionnd employer in this country. the we are a joke. them wars are a joke. we're still building the pipeline. everybody denies it. i made that a a, a vietnam vet. -- i am a veteran, a vietnam vet. i'm more disgusted with the united states in 73 when our country created to create that to make profits. host: let's get a response. guest: what is fascinating to me this morning is the matter of argument we are having with republicans to each other. i think a lot of democrats have called in and disagreed with each other, but there is not that sense of arguing for the soul of the park -- party. it is striking to me to see republicans question each other as modified republicans. in a host: article about vice president biden, you write about host: in your article about vice-president biden you write about steve clemons of the new america of foundation calling them progress of guerrillas and democratic neocons. and who are these folks and how do their views differed? guest: i'm smiling because not lo

paying people a living wage, people will not be able to shop at wal-mart. hopefully, the capitalist system will turn itself around a little bit and say we need to pay people what they are worth. host: thank-you to everybody who called. we will continue to hang around the little but at the washington auto show. the ceo of ford is making a speech. we will show that to you later. that is ford motor co. president and ceo alan mulally. we appreciate your calls this morning. we'll take it to capitol hill for a hearing on aviation security and like to order 53. the chairman will be joe lieberman of connecticut. the two featured speakers, witnesses, tom kaine, and lee hamilton, former chairman and vice-chairman of the national commission on terrorist attacks upon the u.s., the 9/11 commission. that will run a couple of hours and we will be live until the house cavils and tha. enjoy your day. [captioning performed by national captioning institute] [captions copyright national cable satellite corp. 2010] . ç>> the hearing will come to order. this is the second in a

i work at wal-mart. i just go to them. i do not have a clue about how to do my own taxes.are your taxes, anyway? guest: how do i prepare my taxes? well, first, i am a tax lawyer with a max -- masters in taxation from law school. i have a background in tax law, but also as i said earlier, i was in the business of preparing taxes. it has sort of been in my blood since 1975. i prepare my son's taxes and every year i talk about how i'm going to show him how to do his, and somehow, the transition has not occurred yet. i think that really speaks to just how complicated it is. for many people, it is not necessarily complicated, but they are afraid of it. i had many clients who could very easily prepare their own taxes, but they were afraid of making mistakes and would rather go to a purveyopreparer and paya little extra. host: when someone uses a professional preparer, who is culpable if there are mistakes? guest: there is a penalty on preparers for negligence or reckless disregard on regulations, for -- or for even aiding and abetting tax evasion. the preparer can be held respon

no jobs, you cannot tell me that wal-mart -- i have lived long enough to see wal-mart the largest institutionntry. the we are a joke. them wars are a joke. we're still building the pipeline. everybody denies it. i made that a a, a vietnam vet. -- i am a veteran, a vietnam vet. i'm more disgusted with the united states in 73 when our country created to create that to make profits. host: let's get a response. guest: what is fascinating to me this morning is the matter of argument we are having with republicans to each other. i think a lot of democrats have called in and disagreed with each other but there is not that sense of arguing for the soul of the park -- party. it is striking to me to see republicans question each other as modified republicans. in a host: article about vice president biden, you write about host: in your article about vice-president biden you write about steve clemons of the new america of foundation calling them progress of guerrillas and democratic neocons. and who are these folks and how do their views differed? guest: i'm smiling because not long ago i happened to see

new set of tires to pass an inspection and you can't afford the $450, say for a set of tires of wal-mart, the cheapest set you can get, you can't afford that month but you have to pass your inspection you can sign a nice contract and by the end of the year you will have paid perhaps over $2,000 for the set of tires. family values come back to the happy talk. family values or another american ideals of the auto makers tapped into often with visions of family fun. also a surprising few number of trips are to actually have fun, commuting, shopping, yes. eckert and running, schools, yes. less than three per cent of miles driven are on vacation dustin 1% of trips taken are on vacation suggesting perhaps this image should be to rent a car for those occasions rather than being sold and we are lying based on these needs. although makers messages around safety also tapped into our intense desire to be good parents, to be good heads of family and parents meticulously pick out the best car seat. they talk safety. they often even body based on safety data if we can afford to buy new cars for our tea

no jobs, you cannot tell me that wal-mart -- i have lived long enough to see wal-mart, the largest institutionnd employer in this country. the we are a joke. them wars are a joke. we're still building the pipeline. everybody denies it. i made that a a, a vietnam vet. -- i am a veteran, a vietnam vet. i'm more disgusted with the united states in 73 when our country created to create that to make profits. host: let's get a response. guest: what is fascinating to me this morning is the matter of argument we are having with republicans to each other. i think a lot of democrats have called in and disagreed with each other, but there is not that sense of arguing for the soul of the park -- party. it is striking to me to see republicans question each other as modified republicans. in a host: article about vice president biden, you write about host: in your article about vice-president biden you write about steve clemons of the new america of foundation calling them progress of guerrillas and democratic neocons. and who are these folks and how do their views differed? guest: i'm smiling because not lo

go to negotiate with your insurance company you've got the purchasing power of a ford or a gm or wal-mart or a xerox or the federal employees. that's why federal employees have good insurance, and county employees and state employees have good insurance, in part is because they're part of this big pool. and our attitude is, can we make sure that everybody is part of a big pool to drive down costs. that's the second thing we're trying to do. third thing we're trying to do is to try to reduce costs overall because the system -- how many of you, you go into the doctor's office, you fill out a form, you get a checkup, you go fill out another form, somebody else asks you for the form you just filled out. then the doctor fills out a form, you got to take it to the pharmacist. the pharmacist can't read the doctor's -- this is the only industry in the country that still does that, that still operates on paper systems, that still orders all kinds of unnecessary tests. because a lot of times, i walk in the doctor, i just do what i'm told -- i don't know what he's doing. i don't know whether this te

about the risk- management practices at home depot or caterpillar, or even the biggest firms, like wal-martheir competitors swoop in, but i think a lot of the problem and a lot of the political blowback -- we could not allow the largest financial firms to fail because of the broaderçó consequences for the economy, so what i want to do is first focus on the perception of the too big to fail question, and a question for each of you, on both investors and managers and your board members, and that is in the fall of 2008, do you believe that investors that were investing in your firm where pricing in the possibility that the government might come in and provide assistance? that the government might decide that your firm was too big and too interconnected to fail? and then, the related question, that you talked with other members and board members, to the possibility of the government coming in and rescue your firm, or preventing your firm from failing to enter into those discussions? i am much less interested in whether or not your firm was likely to fail as to whether or not the investors bough

i go to wal-mart and i see people who have to use for stamps, and i can see them buying it bread, flour, sugar. but i see so many people who have two 24-packs of cokes, tons of candy, but yet they cannot buy toothpaste or so. i don't know who makes these requirements, but try going a month without toothpaste or so ap. host: what requirements are you talking about? caller: you cannot buy toothpaste or toilet paper or so if you have food stamps. host: is that true? guest: yes, you can only buy food. host: what is the impact of that? guest: there are times when people do without those kinds of staples and turned to toilet paper and toothpaste from charities. host: when you sign up for food stamps, how long does it take before you actually start receiving benefits? guest: there is a test of your economic situation in federal law that requires that yoif you are in an emergency, you have to get them within a week. can i say something about this? every call we have reminds me of every conversation i've had around the country of people using their benefits it correctly, and do they deserve it.

as a field guide i've known a lot of people i was always guilty of wanting to run to wal-mart, said a table of the outside of balart and sit there all day and think the masses would come off the mountain. they don't what. the best way to register voters in the coalition's into situations where and you can have like-minded people registering like-minded and registered voters. generic vote her drives are great and serve a purpose. the serve a valuable purpose depending but if you can do voter drives, and i'm going to give you guys an example how you rolled this in but if you do a voter drive try to set up a voter drive where he of like-minded individuals talking to each other because the propensity for folks to register are a lot higher when they think they are talking to a friend than if they are talking to a stranger. so when you are writing your campaign plan and putting in your voter plan keep that in mind. the fourth thing is while we are all in politics and you guys are running campaigns it is to give the lasting majority because you are all hoping your boss will what? wins. after

we do not want to go to wal-mart and stand in line. you are making some money, hire some people. that is the number-one issue. host: let's hear from our guests, beginning with mr. kranish in the studio. guest: that colored tap into what is going on. -- that caller tapped into what is going on. the president has talked about jobs, and i think every member of congress has heard the same message. the democrats are trying to tap into the voter anger over wall street. they have tried to do that and have not been successful. one story i am following is the financial regulation effort. scott brown does not agree with some of the things that democrats want to do on that, so we will have some fights on that, specifically what to do if there is another stimulus plan. host: amy walter, "the new york times" writes that david axelrod did not view the results as a repudiation of the white house agenda, but his knowledge that the administration needs to do a more effective job of signalling concern about the problems gripping americans." what do you think? guest: ok. there is going to be a lot

as we walk in wal-mart we never get the price we want the we would get a better price as if there was no competition. this bill of the private sector to work and i would thank not only members of the task force would once again nikki and harry for what they did in advancing that one. it to you want to stand again or want us to class at you? we are going to clap at you. all right. [applause] we talked about improving education, and about we have a fight on this one. but as a result of all that back-and-forth on this administration's core belief that every parent ought to have an opportunity to decide which school works best for them and their child for the choice more had been offered. we now have virtual schools and classrooms that allows someone in the rural south carolina to get educational expertise from a different chorus of carolina and i know that rex and chip once again worked hard on that one and showed leadership moving that through. we passed a statewide school bill fellows the first of its kind in the nation and i don't believe we would have gotten that through our friend t

about the risk- management practices at home depot or caterpillar, or even the biggest firms, like wal-martuse if those firms bail and go under, and they go away, their competitors swoop in, but i think a lot of the problem and a lot of the political blowback -- we could not allow the largest financial firms to fail because of the broaderçó consequences for the economy, so what i want to do is first focus on the perception of the too big to fail question, and a question for each of you, on both investors and managers and your board members, and that is in the fall of 2008, do you believe that investors that were investing in your firm where pricing in the possibility that the government might come in and provide assistance? that the government might decide that your firm was too big and too interconnected to fail? and then, the related question, that you talked with other members and board members, to the possibility of the government coming in and rescue your firm, or preventing your firm from failing to enter into those discussions? i am much less interested in whether or not your firm wa

it is just a little ridiculous that -- you can walk into wal- mart and everything is made in china.of this step, racial, i don't know where you are going but that is my comment. host: "the wall street journal" has an interesting inside look at google itself. you can see the headline. these are the founders of google -- and their ceo, eric schmidt. it suggests the three engaged in a heated discussion. sayre de -- sergei is originally from russia and it talks about his philosophy toward china coming from that. the next call is from travers' city, michigan. john on independent line. caller: thank you for c-span and caller:çó i'd like the education and understanding of the free society. it is my understanding that google went into china understanding that they were -- i guess the word is compliant with the censorship and restrictive regime said as a condition for doing business in china. therefore, to me, minnow, when you go -- you know, when you go swimming with sharks reminded didn't. host: here is an editorial about the same thing. anymore reaction? caller: that sounds to me -- i mea

s and these energy management systems, now walking for wal-mart, home depot, costco, saving them 20% to 25% on their energy costs. those are savings that companies like those can reinvest back into their business, but if you ask the c.i.a., talk to the joint chiefs of staff, a national security issue. and why would we want to depend on foreign sources of energy to supply our own military here in the united states? we address the national security issue we create jobs here in the united states and we help to address the carbon issue here causing global climate change. these are the issues we need to tackle as a country and we can't be afraid to do it. we can't be afraid, madam speaker to make the tough decisions, to push the tough policies, to make sure that 10, 20, 30 years from now, when people look back and say, what did they do in 2010, 2009, in the united states congress, to try to address some of these problem we can say we answered the call, made the tough decisions and the country was bet off for it. with that, i yield back the balance of my time. the speaker pro tempore: unde

as we walk in wal-mart we never get the price we want the we would get a better price as if there was no competition. this bill of the private sector to work and i would thank not only members of the task force would once again nikki and harry for what they did in advancing that one. it to you want to stand again or want us to class at you? we are going to clap at you. all right. [applause] we talked about improving education, and about we have a fight on this one. but as a result of all that back-and-forth on this administration's core belief that every parent ought to have an opportunity to decide which school works best for them and their child for the choice more had been offered. we now have virtual schools and classrooms that allows someone in the rural south carolina to get educational expertise from a different chorus of carolina and i know that rex and chip once again worked hard on that one and showed leadership moving that through. we passed a statewide school bill fellows the first of its kind in the nation and i don't believe we would have gotten that through our friend t

i work at wal-mart. i just go to them. i do not have a clue about how to do my own taxes.. how do you prepare your taxes, anyway? guest: how do i prepare my taxes? well, first, i am a tax lawyer with a max -- masters in taxation from law school. i have a background in tax law, but also as i said earlier, i was in the business of preparing taxes. it has sort of been in my blood since 1975. i prepare my son's taxes and every year i talk about how i'm going to show him how to do his, and somehow, the transition has not occurred yet. i think that really speaks to just how complicated it is. for many people, it is not necessarily complicated, but they are afraid of it. i had many clients who could very easily prepare their own taxes, but they were afraid of making mistakes and would rather go to a purveyopreparer and paya little extra. host: when someone uses a professional preparer, who is culpable if there are mistakes? guest: there is a penalty on preparers for negligence or reckless disregard on regulations, for -- or for even aiding and abetting tax evasion. the preparer c

go to negotiate with your insurance company you've got the purchasing power of a ford or a gm or wal-mart or a xerox or the federal employees. that's why federal employees have good insurance, and county employees and state employees have good insurance, in part is because they're part of this big pool. and our attitude is, can we make sure that everybody is part of a big pool to drive down costs. that's the second thing we're trying to do. third thing we're trying to do is to try to reduce costs overall because the system -- how many of you, you go into the doctor's office, you fill out a form, you get a checkup, you go fill out another form, somebody else asks you for the form you just filled out. then the doctor fills out a form, you got to take it to the pharmacist. the pharmacist can't read the doctor's -- this is the only industry in the country that still does that, that still operates on paper systems, that still orders all kinds of unnecessary tests. because a lot of times, i walk in the doctor, i just do what i'm told -- i don't know what he's doing. i don't know whether this te

about the risk- management practices at home depot or caterpillar, or even the biggest firms, like wal-martnd chevron, because if those firms bail and go under, and they go away, their competitors swoop in, but i think a lot of the problem and a lot of the political blowback -- we could not allow the largest financial firms to fail because of the broaderçó consequences for the economy, so what i want to do is first focus on the perception of the too big to fail question, and a question for each of you, on both investors and managers and your board members, and that is in the fall of 2008, do you believe that investors that were investing in your firm where pricing in the possibility that the government might come in and provide assistance? that the government might decide that your firm was too big and too interconnected to fail? and then, the related question, that you talked with other members and board members, to the possibility of the government coming in and rescue your firm, or preventing your firm from failing to enter into those discussions? i am much less interested in whether or

you go to negotiate with your insurance company, you have the purchasing power of a ford or gm or wal-mart or xerox or the federal employees. that is why federal employees have good insurance and county employees and state employees have good insurance, because they are part of this big pool. our attitude is can we make sure that everybody is part of a big pool, to drive down costs? that is the second thing we are trying to do. the third thing we are trying to do is reduce costs overall, because of the system -- how many of you, when you go into the doctor's office, you fill out a form, get a checkup, fill out another form, somebody asks you for the for you just fell out that the doctor fills out a form and you have to take it to a pharmacist, the pharmacist cannot read the doctor's -- this the only industry in the country that still does that. it still operates on paper systems, still orders all kinds of all unnecessary tests. a lot of times i go to the doctor and i just do what i am told i don't know what he is doing. i don't know whether this test was necessary, or whether we could have

doesn't stop with wal-mart because they are not unionized?doesn't stop with coca-cola because they produce a problem some people think as to obesity? where does it stop when you get on that slippery slope of functioning strong companies that are big, but represent no risk because they are functioning and they are strong? so i guess i would ask you, obvious he too big to fail is a big issue for us and it's got to be addressed. but shouldn't be addressed on the issue of the institution being a risk as versus the institution just plain being big? >> so my preferred approach to too big to fail, which i agree with you, is perhaps the central issue in financial reform, certainly one of the biggest ones. has two or two and have components depend on how you count. one is to offset some of the incentives to become too big to fail, and to take into account the additional risks that a very large firm may pose to the system. >> by raising their capital requirements? >> are making sure they are say. >> which is a function of making them sick. >> yes dereg

insurance to fix your broken leg it is wal-mart, not at men who pays it out. so big that self ensuring makes sense. many big employers find it good to selfish sure. they use economies of scale to get good deals. they get very goodÑf very good deals. nobody else can do that to the degree compared to target who has a lower level of health insurance you raise target<  cost of wal-mart also lobbies for minimum-wage. they pay over $10 per hour everywhere and $12 per hour in any high-cost place of living. who pays that? i worked at a movie theater a single screen 100 year-old theater by a]yáuk who lived down the block i earned $4.50 per hour. minimum-wage by the high school kid after basketball practice home depot well i don't know that wal-mart does not pay minimum wage. if it goes up from $5.50 up at $7.15 that hurts smaller competitors and helps wal-mart and gets them good press and gets the unions to back off. mattel did another overhead smash where i don't know if you remember in 2007 there was unprecedented to recalls with lead in them from china and others m