oo it timto te thshoe withreamlk ura-sm insos... grrr. so you c weathe oes yore ithe o. .witut tm chgingour mo. eamwk byr. soll' come back to the kron4 morning news. and 511 on this thursday morning when a year and into public transit you want to know is trains on track out of the central valley end many natural not report any system problems yet this morning. of >>: that 511 and not a bit guilty plea on the chief and managed officer thefts. low as clinton jeffrieses of the five years in prison on allegations he took more than half million dollars from the allen temple of peace oakland. vote private school for his children carried his mortgage rate earlier this week clinton was are put on paid leave on public transit. more news was are put on paid leave on puheat shields are compromised. we have multiple failures. are those thrusters burning? that's a negative. what's that alarm? fuel cell two is down. i'm going to have to guide her in manually. this is very exciting. but i'm at my stop. come again? i'm watching this on the train. it's so

. >> inso many conveniencey or a wind-down is the last result. we heard this morning that the banks still need more capital. they are still too over-leveraged. then we heard, no matter how many assets you put in these banks, it will never become not risky. i wonder if they are trying to meet benchmarks and finding it is crippling their businesses as they are funneling cash from certain business lines to the ed, just to have it sit there. i'm wondering if you could comment on how you view the effectiveness of the current capital regulations and how it really affects the balance sheet. >> sure. and in this discussion, of course, there are people that distinguish between capital levels and of course whether they should be risk-weighted or not. i think tom has a view on that and has spoken about it many times. we think if you look at the requirements for increased apital, in-- they have increased capital levels extraordinarily. they have assumptions and models that are worse in some respects in the 2008 crisis in terms of gdp, reduction, unemployment

[laughter] but i don't inso. >> here's the thing i hear from the conventional wisdom folks. they say standing on principle is one thing. but you have to be able to govern. there is the succession was we've got to get things done. it's not enough to just stand up and fight against it. you got to do things and if you're just going to throw a monkey wrench in problems and cause a big scene, what have you accomplished? you've got to do some thing that we have to govern, jim. what do you say? >> i have not seen a bipartisan compromise in many years had actually moved the country in the right direction. it doesn't really exist anymore. as i was talking with supporters earlier, it is no longer a compromise for the good of the country. we are making deals. closing the doors, most of it in secret. the players are in the room. you get something for you. i guess i'm in for me in the american people get the thought. so every deal now spends more money, expands government and the only option republicans have if they want to stop it is just to say no more money, mr. president. that's the

pressure inso much our political landscape now to undo and find benefit pensions that are almost nonexistent now. the stock market, it is a crapshoot. if everything is in the stock market, you don't know what you will have. all right. this e-mail is from alan. alex in fairfax, virginia, with a high school degree, what do you think? caller: i think a college degree is still necessary, certainly. i think that definitely the message that we are all given from children, that it is important to get your education and stay in school is correct, but in a sense we are under emphasizing and falling behind the rest of the civilized world and developed world in terms of tuition. most of the industrialized world -- i don't think anywhere in the industrialized world has tuition as high as the united states. i think that as americans we need to be demanding policies to back up the messages they are sending to our children, that education is important and we need to be working seriously and, frankly, taking emphasis programs, like defense spending, so that we can bring our social services, like education a

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