Hour 1: Negative interest rates have the opposite effect governments intend; Why don’t we borrow when interest rates are so low? Banks don’t lend because: 1. Regulators don’t want them to lend to anyone but the federal government & 2. Banks don’t have the reserves; Commander Kirk Lippold (USN Ret.) on Iran. 

Hour 2: NFL weekend one; What is Colin Kaepernick’s motivation?; New CD product, a structured CD; Trump changing?