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Our first guest this morning, Sheila Bear, former chair of the FDIC, the Federal Deposit Insurance Corporation, now the

President of Washington College.

And Sheila, it's great to have you with us again.

Thanks for having me.

Let me start with personnel.

We are so focused here on who Donald Trump is going to a point for

for what are we overplaying the role of these personnel picks at this point in

the transition well no I think the personnel picks are very important, especially in the financial regulatory

...