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To somehow reduce the debt load they were dealing with. or any trust division lives again and has had a tremendous impact in our country and in the positive things that they've done for the american consumer. we announced or heard i guess today that a merger that i think would have been extremely anti-competitive earn not been in the best interest of the american consumer has been abandoned. that is because of the great work of the men and women in the antitrust division. our tax division overseas accounts dealing with allies in europe bringing money back -- and disallowing a practice that had...

Government-sponsored housing freebies that help to cause the last financial collapse? steve? >> this is a bad sequel to a bad movie. the government has to give you money for closing costs and the down payment. that means you shouldn't be in there in the first place. and the u.s., for all of these programs that fannie and freddie do ranks 37th in the world in terms of the rate of home ownership. this is a case like most government programs less would be more. let the economy thrive and home ownership would go up. >> austin, is this history repeating itself? >> on this particular thing, i don't ...

Just saw a few minutes ago is very possible because of education and skills training but that productivity is not matched in pair paychecks. and there's something wrong when hedge fund managers pay lower tax rates than nurses or the truckers i saw on i-80 as i was driving here over the last two days. and there's something wrong when students and families have to go deeply into debt to be able to get the education and skills they need in order to make the best of their own lives. i looked at the figures and the average iowa graduate from a four-year college comes out with nearly $30,000 in debt...

More productive as they have and as i just saw a few minutes ago is very possible because of education and skills training but that productivity is not matched in their paychecks. there is something wrong when hedge fund managers pay lower tax rates than nurses or the truckers i saw on i-80 as i was driving here over the last two days. and there is something wrong when students and their families have to go deeply into debt to be able to get the education and skills they need in order to make the best of their own lives. i looked at the figures. the average iowa graduate from a four-year colle...

Debt on hand. it is hard to save money. national syndicated personal finance columnist. a lot of people cave into that but you say not a good idea, why? >> a lot of people have a lot of debt and don't need another credit card. opening up a credit card can lower your credit score which can cost you later when you go get credit you really need like for a car loan or a home loan. heather: another thing you say is think about the debt you currently have on hand. ask yourself the question, can i really afford all these gifts. >> surveys show people started a christmas shopping as early as september...