In this area to say what has not been dealt with. You are exactly right, fannie and freddie is not dealt with under doddfrank. But lets talk about doddfrank for a moment. There have been reforms to our financial system, but there needs to be significantly more. One thing about doddfrank is it sets up a framework. But ultimately not all of the rules are implemented. There are very important standards that need to be set by the regulators and treasury. Because what we are worried about is trying to protect americans in the event of another financial crisis. We do not want to be in a situation where one of the companies can bring down all of these losses in american jobs and american pensions and mortgages. We cannot be in one of those situations again. So, we are going to continue to raise the alarm and say there has to be more work done. And it is not going to be easy. And there is a lot of heavy lifting. One of the things to me quite disgusting is you have all of these companies to take the bailout dollars, and then they turn around and repay treasury and then what they do is to put all of the money into lobbying against reform. They want to go back to usual. It is going to take a lot of courage and stealing steely resolve from treasury and regulators to get a better situation. Part of the framework is there but a lot needs to be done. Apart is the interconnectedness i talked about earlier. We cant have a situation where companies are too interconnected to fail. Riskmanagement has got to improve. Youll have a situation where a lot of the company did not understand the risk they have related to subprime mortgages. Another example that shows it continues today libor manipulation. J. P. Morgans london whale, where they did not even understand their risk, let alone management. And regulators have to supervise that to protect all of us. Host our caller mentioned Gretchen Mark gunston, a writer at the New York Times, you can find it on the web site, the Video Library but archives. Rich demuro, special Inspector General for tarp, Christy Romero. She has had prior roles at sigtarp and was also at the u. S. Securities and Exchange Commission who and served as counsel to Mary Schapiro and christopher cox. And investigative financial fraud, Insider Trading and other violations of securities law. She spent time as a litigator. Her jd is from Brigham Young law school and she went to school here, old dominion university. The special Inspector General from tarp and a recent report. Treasury continues approving excessive excessive pay. On twitter is this all hindsight . Guest it is interesting. One of the things we constantly report on is things that should have been done better. You have to respect that a lot of decisions were made with a sense of urgency. But the compensation decisions were not. There was plenty of time to set up a good system for that. And even for the discount for the decisions that were made in a rush, it is really important we point out how things could have been done better. Lets say we get and the situation where there is another crisis. And treasury and the regulators are running around with a sense of courtesy in an emergency trying to fix things. Ultimately you have to have a playbook. You have to look at what happened last time, and also at our record on what could have been done better. So they have two playbooks and make better decisions and we do not end up repeating the mistakes. Host independent caller. Ron. Caller thank you for your work in this area. You have been mentioning General Motors and chrysler and gmac, and i know this because i work in the Auto Industry and i have relatives who work in the Auto Industry, that cerberus, private equity from out of new york, they owned chrysler before and right after the financial collapse, and owns a 51 of gmac. Cerberus is not involved in now, but are you looking at compensation of people who had something to do with cerberus . And the gentleman mentioned something, the other caller, about standard and poors. The reason cerberus got 51 of gmac, which was the moneymaking part of General Motors, their achilles heel General Motors gave ford and gm junk bond status in 2004 and 2005 and it kind of led to the chain of events where servers got a hold of gmac. Cerberus was run by people from both the Bush Administrations, investors in managers. I think you should also be looking at them as well. Guest i think the caller raises an excellent point. These were complicated. When you look at some of the bailout and what came out of it, you have to look at the structure and the owners of structures that happen when the Government Forces restructurings, and as a result, new owners come out. Cerberus was one of those. As far as their compensation, it does not fall under treasurys per view, which is really just the top 25 employees at the Top Companies themselves. You raise an interesting point. One thing i want to raise and make clear, we are conducting audits, reviews, investigations on anything related to tarp. And i want to just throw out our hite hot line information. We have a hot line of the public can call in and give information that they think we should be looking at. Any information that they know. Often the public knows a lot more may be that we dont know. Maybe you know somebody in the industry. Maybe you work in one of the industries and have information. I want to give our hot line information because it is very, very critical. Www. Sigtarp. Gov, but there is also a phone in line we have had extraordinary calls coming into the hot line and have been able to do fantastic work, i think, on behalf of the people who has given us information. Host what are people calling about . Guest a lot of our calls result in issues about holding. Really, the tarp Housing Programs have had a lot of problems. A lot of frustration for people who could not get the help help they need. Let me give you one example. There are con artists out there right now will call up struggling homeowners and they say, dont pay your mortgage and dont talk to your lender, and i will guarantee that if you pay me i will make sure you get your mortgage payment lowered through the Housing Program called hamp, or sometimes they say the obama plan. They will say i am an expert. Or they may say they are affiliated with the program. They take peoples money and a skip town. What we do is we kept them, we put handcuffs on them, and we put them in jail and make them stand trial and a for their crimes. These people are being convicted and going to jail. This is an unscrupulous, to have a crime that is targeting people who are struggling during this financial crisis. We get calls related to those. We are trying to educate homeowners about that so they did not become victims in the first place. But a lot of people will lose their homes of the situation. Host Christy Romero, special Inspector General for tarp. The question about the teeth question of to this executive pay, if treasury signed off on it, what can sigtarp really do . Guest we make recommendations to treasury and a half to be dealt with. We also report to congress. We send these reports to congress and congress helps put teeth in it. But a ultimately we have a lot of recommendations that are not implemented and they need to be. This is an example that shows how bad it can be a treasury does not implement the recommendation. I am looking forward to a new secretary of treasury coming in to talk about those recommendations and changes that can be made. And we will not give up. We will look at 2013 pay. We will not stop. Because alternately we are here to protect taxpayers. Host amelia, ohio. Democrats line. Caller how are you . My question is about the tarp situation. These people who were sent to prison or being investigated for the tarp, i think these people the American People to not really know who these people are. There should be published a list or something brought forward so the American People can see this on a monthly basis and kind of gives a feel and know who they are. I think also it might work out as a streamline to it in prison these people to it in prison these people and pay for their part imprison these people and make them pay for their part. Guest we are trying to get the word out on what we are doing in the Law Enforcement side. We put press releases out every time there is an arrest or bring criminal charge or conviction or bring prison sentence on www. Sigtarp. Gov. We will continue to get the word out and look at this. You raise an interesting point about bringing money back. That is something i want to raise. Not only do our investigations result in prison sentences or other very serious repercussions, but also we bring money back in terms of court orders for the return of money to victims or the government. So far, we have been able, as a result of our investigations, to get orders from the court for more than 4 billion to come back. That is our way of turning our keep and making sure there is accountability. Because there can be accountability in terms of prison sentence but they have to pay the money back. When the ripoff the government or bring they rip off struggling homeowners or than others, there needs to be accountability in terms of dollars. Host charles and louisiana on our republican line. Where are you calling from in louisiana . Caller across the across the river from shreveport. The lady on your show, what a breath of fresh air, trying to do right for us poor folks out here. God bless you and your family. My point is you got to bear with me. Christopher dodd was walking down the hallway on cspan cameras, they captured him saying this why arent you going to run for senate . His response was, countrywide is not going to let me. Senator dodd and conrad both got for janel loans through countrywide. Senator conrad just retired and like like senator dodd did not run for senate. Those are his words, it cspan has it on camera. I want to know if you investigated him. Thank god for cspan. Guest thanks, charles but let me point out two things. First of all, we are working for everyone. If you ask me who i represent, i represent you, i represent everyone because we all pay for this bailout and we continue to pay for this bailout. As to what we are investigating, this is where i have to be sensitive. I will try to get as much transparency as i can. I have federal agents and investigators working for me, and because these are criminal investigations we have to be very, very careful on what we say in terms of who we are investigating and why we are investigating. Part of that relates to the safety of our own agents. You can understand, sending our federal agents to arrest someone, i need to ensure their safety. For that, i cannot really talk about exactly what we are investigating. Here is where i am going to recommend what i am going to recommend to you. One thing you can start to track where there has been something public, like a criminal charge or arkansas rest or somebody who has been convicted and on to jail, we put out press releases on all of us and i encourage you to go to our website and look at that. What you can do is you can sign up to receive our press releases so you can see each time we do this. 120 people have already been criminally charged that result of our investigation. Host last caller plymouth, wisconsin. Independent line. Caller good morning from plymouth, the wonderful heartland. I think it is disgusting what they do. But i wonder where they could get the idea that they can rip the taxpayer of 400 of millions of dollars with impunity . Try the United States senate. 1400 days without passing a budget. Yet it is mandated in law, that harry reid and his pals are supposed to pass one every year. Who is doing the investigation for that . Host before we let you go, what do you think about this report that sigtarp put out specifically looking at executive pay at bail out companies . Caller of course it is disgusting. But the senate gets paid for doing nothing. I wonder where they get the idea from . Raise an important point. Anybody who tries to rip off guest you raise an important point. Anybody tries to rip out representative off the taxpayer is reprehensible. We are coming out very aggressive on anyone in that investigation. Those who may be thinking about that or doing that now should take a warning by the fact we are sending people to jail. Host Christy Romero is special investigator for tarp sigtarp for short. Coming up next, our america by the numbers segment. Looking at the health and Life Expectancy of americans compared to other countries. We will be right back. Having observed a steady improvement in the opportunities and wellbeing of our citizens, i can report to you the state of this old but youthful union is good. Once again, in keeping with a time honored tradition i come to report to you on the state of the union. And i am pleased to report that america is much improved. And there is good reason to believe the improvement will continue in the days to come. My duty tonight is to report on the state of the union. Not the state of our government, but our american community. And to set forth our responsibilities, in the words of our founders, to form a more perfect union. The state of the union is strong. As we gathered tonight gathered tonight, our nation is in war, our economy is in recession, and the civilized world faces unprecedented dangers. Yet the state of our union has never been stronger. It is because of our people that our future is hopeful, our journey goes forward, and the state of our union is strong. Tuesday, president obama delivers this years address live on cspan. A reprieve Preview Program starts at 8 00 p. M. Eastern, the president at 9 00, followed by gop response and reaction. Tuesday night on cspan, cspan radio and cspan. Org. The Old North Church is ballstons most historic most visited Historic Site visit hisost historic side. What they did not realize is in fact what actually did in april of 1775 is still a genuine historical mystery. We have very few records about what actually occurred on the night that paul reveres plan got carried out in this very church. We know from mr. Paul revere himself there was a plan and it had been set up ahead of time with members of the charlestown militias across the way. Set up on sunday. What we do not know is who actually helped him carry of that plan. The mystery of ballstons Old North Church of lamp hangers on american art if it bostons Old North Church lance hangers on american artifacts, cspan 3. Washington journal continues. Host time for our weekly america by the number segment as we look behind the numbers about americans and a light tap life styles. We are talking about a new report looking at the health and Life Expectancy of americans and how it compares to other countries. It is a recent joint report from the National Research council and institute of medicine. And we have but director National Academy of sciences, laudan aron now with the urban institute. And also dr. Stephen wolf, a virginia commonwealth university. Thank you for joining us as well. Here are the headlines that came out after your report. Americans die younger than their peers. The wall street journal headline. For americans under 50, stark findings on help. Americans are less healthy and die younger than global peers. Dr. Stephen wolf, some this up for us. Guest you said it directly. We found a rather alarming findings that americans are living shorter lives than than our peers in other high Income Countries and i our kids are living shorter lives. It has been going on for some years, dating back to the 1980s. And not just limited to death rates but prevalence of a variety of diseases and injuries across the board. Americans are less healthy than their peers in other countries. Host why are we seeing this . An overriding trend reason . Guest that was the main question our panel set out to understand. The scale of the problem we were not sure how bad this disadvantage was. And then once we learn how expensive it was and we can talk in more detail how far reaching the problem is to try to understand how to explain it. The challenge was, we are at a disadvantage in some in the areas of health and injury that the causes are complex. We studied the role of the health care system, the Public Health system, our lifestyle and Health Behaviors, social and economic factors, the physical and social environment we did an extensive analysis to try to make sense why we have had the problem and have had so long. Host if you would like to join the conversation from eastern and central time zones mountain and pacific and if you are a Health Professional laudan aron, here are the numbers, and we see where the United States ranks in Life Expectancy compared to other countries. Who in the study are the comparison points and how the u. S. To . Guest the panel basically compared the Health Outcomes in the United States to 16 other highincome democracies. It western europe, canada, australia, japan. Basically countries we consider our peers in a number of the means. We ranked dead last in Life Expectancy among males and the Comparison Group and nextto last for females. Life expectancy at birth is a cumul