Hello there is 3 papers I need to get done by sunday morning. Its not hard, just gotta watch a video and summarize it in 100 words. I will be giving you $10 for each paper plus tip.

FIRST PAPER – https://www.youtube.com/watch?v=n_O1B_2tAlkLinks to an external site.Closed Caption

Transcript Below

Your Bank Has Failed: What Happens Next?

This story was first published on March 8, 2009. It was updated on May 27, 2009.

A lot of people are worried about their banks these days. Devastated giants like Citigroup get bailed out again and again and again. Recent stress tests show some banks need billions more, and many smaller banks are failing. The federal agency that takes over unsound banks is the Federal Deposit Insurance Corporation – the same people who guarantee depositors won’t lose their money.

Most every Friday night now the FDIC is seizing several banks. You haven’t seen these takeovers happening because they’re done secretly at night to make sure there’s no needless panic by depositors.

But earlier this year, when this story was first broadcast, 60 Minutes and correspondent Scott Pelley were given extraordinary access to one of these operations because the FDIC wants you to know what happens to your money when your bank has failed.

A team of FDIC agents prepared to seize a bank outside Chicago. They checked into a hotel under a fictitious name, “CB and Associates,” to prevent a run on the bank. They didn’t want anyone to know who they are or why they were in town.

Cheryl Bates and Arthur Cook are in charge of the operation that had been given the code name “HAPPY,” strange considering what they were about to do.

“Do not discuss outside this room, what is going on, what we’re here for,” Cook instructed team members in a meeting at the hotel. Cook is the receiver-in-charge for the FDIC, who will take control when the bank is shut down. Bates is the closing team manager.

They’re there to seize all five branches of Heritage Community Bank, a 40-year-old Illinois bank providing savings, student loans, mortgages and checking. But like so many others recently, it made ruinous bets on real estate.

Sheila Bair, chairman of the FDIC, told Scott Pelley 25 banks had failed in 2008.

Asked how many she expected to fail in 2009, Bair said, “It’s going up. There have been 16 already now. And, so our loss projections are going up. We’re having to increase premiums on banks to address the loss projections going forward. It’s a very distressed environment right now.”

“I wonder if you have a number in mind for how much the FDIC is prepared to pay for bank failures in 2009?” Pelley asked.

“We make a five year projection that for the next five years we will lose $65 billion on bank closings,” Bair explained.

Some of that was about to be spent on the imminent failure of Heritage Community Bank. It held 12,000 deposits totaling more than $200 million. The FDIC team waited for the last customer to leave, and Cheryl Bates prepared to go in.

Asked what sorts of specialists were part of the FDIC team, Bates said, “We have accountants, we have asset specialists who specialize in loans, we have people who specialize in just the physical facilities. And we have a group of investigators that come in and do a review on the reasons of the bank failure.”

Their whole team could run the bank.

Four months earlier, the FDIC and state of Illinois ordered the bank to stop risky lending and increase its cash, but Heritage couldn’t find new investors. The night of Feb. 27, no one at the bank knew the end was minutes away.

The FDIC walked into all five branches at once. The chief executive, John Saphir, was told the bank that was his life’s work was no longer his. 60 Minutes waited outside as they delivered the news to the employees.

“With Heritage Bank your pay stopped at 6 p.m. At 6:01, you went on a pay which is paid by the FDIC. Unused vacation time, you will be paid for. You will not lose it,” Cook reassured the bank’s employees.

In that moment, Cook agreed that operation “HAPPY” looked pretty grim. “Because I would say a large majority of the employees don’t know that the bank is in trouble and that it’s about to close until we walk through the door,” he told Pelley.

“We want it to be as seamless as possible for your depositors so no depositor loses any money at all,” Bates told employees.

“They reacted with dismay and shock that we were there and it’s a very trying period for them,” Bates told Pelley. “So it is an end to a whole chapter in their lives.”

“When we walk in we appear to be the bad guy,” Cook said.

“Some of those people had been there more than 20 years,” Pelley pointed out.

“And those are the ones who take it the hardest because they feel that they have put their life into it and now it’s no longer there,” Cook replied.

The employees now worked for the FDIC. A public notice went up, which was the signal to a team of nearly 80 people to take over the bank.

They took control of the bank Web site, adding a notice that all deposits were safe. Then they started an inventory of all the assets and liabilities.

They broke the news to the media and prepared to reopen the bank Saturday morning as usual. Asked what she expected from the customers, Bates told Pelley, “I think the customers will, some of them will come in with a sense of fear.”

Fear created the FDIC in 1933 after the Depression set off a panic that wiped out even healthy banks.

“We’ve been around for 75 years and nobody’s ever lost a penny of insured deposits,” FDIC head Sheila Bair told Pelley. “…which is why you need to make sure you are below the insured deposit limits.”

Bair told Pelley the insured deposit limitLinks to an external site. is $250,000 right now.

“When the FDIC comes in and makes depositors whole at a bank that has failed, is that tax money?” Pelley asked.

“No. It is money from our reserves which, and we are funded by insurance premiums that are assessed on banks. So, no it’s not taxpayer money,” Bair explained.

Bair is a former Treasury official and professor of finance who has written children’s books on the wisdom of saving.

“Maybe the CEOs on Wall Street should have read the children’s books,” Pelley joked.

“Maybe so,” Bair replied, laughing. “Maybe so.”

Bair warned two years ago that bad mortgages threatened the financial system. Now, she’s managing the biggest bank failures in years including the collapse of Washington Mutual and last summer’s sudden failure of IndyMac in California.

“When IndyMac failed, you were watching these scenes on television of people lining up outside the bank like it was 1932,” Pelley told Bair.

“Yes, it was amazing,” she replied.

Asked what she thought of that, Bair said, “I think people forgot that banks do fail and how the FDIC works their money was safe, it was safe, it was probably the safest place in the world to have your money because we were operating the institution at that point.”

“What sort of hit was that on your balance sheet?” Pelley asked.

“I think we ended up to, it was over $9 billion for a $33 billion – yes, it was very stiff,” she replied.

“The question becomes how many times can the FDIC do that at what point is the FDIC broke?” Pelley asked.

“The FDIC is backed by the full faith and credit of the United States, so if we need to – we try not to and don’t want to – but if we need to, we can borrow from the Treasury to make up for any shortfalls,” Bair explained. “We don’t go broke. We’re the government we are backed by the full faith and credit of the United States government.”

At IndyMac, some depositors had more than the insured amount in their accounts, and so, hundreds of millions of dollars were lost.

Back at the former Heritage Community Bank outside Chicago, many depositors were worried when the bank reopened Saturday morning.

The FDIC’s Rickey McCullough stood at the front door.

Asked what types of questions people were asking him, McCollough told Pelley, “Can I still write checks? Can I access my safe deposit box? Can I use my ATM machine?”

The answer to all those questions, McCollough said, was yes.

But customer Bill Hess showed up on a mission with an empty briefcase. He intended to leave with all of his money.

“We’ll be glad to answer any questions for you,” McCollough told Hess.

“I don’t care anymore,” Hess replied, walking into the bank with his briefcase.

“I became a little concerned,” McCollough told Pelley. “So, I came inside. And one of the things that he told me as he opened up his briefcase. He said, ‘Well, I don’t have a gun in here.’ So, I said, ‘Well, that’s good.'”

McCullough explained to Hess and his wife Audrey their savings were safe.

Hess’ briefcase was empty when he came in and empty when he came out.

Asked how he felt after talking to the FDIC, Hess told Pelley, “It’s fine.”

“You had confidence in the FDIC?” Pelley asked.

“The FDIC, right,” Hess said. “Now, if they can’t pay, then I won’t have confidence in them, either,” he added with a laugh.

One customer did take most of her money out, but, for many, their concern was for the bank employees.

“We’re fine,” a teller told a concerned customer. “You just keep coming back to see us.”

There are three ways the FDIC takes over a bank: it can close it and pay off depositors, run the bank itself, or, most often it will try to find a buyer.

A few days before the takeover of Heritage Community Bank, 60 Minutes was at the FDIC office in Dallas where they were holding a secret online auction in hopes of finding a buyer for Heritage

The winner was MB Financial, a $9 billion Chicago bank. The night of the takeover, all of Heritage Community’s branches became MB banks.

“It’s almost as if nothing had happened,” Pelley remarked to MB CEO Mitchell Feiger.

“Almost nothing did happen,” Feiger replied. “It’s the same products, it’s the same services, it’s the same people, taking care of the same customers.”

This was the deal for Feiger: the FDIC paid MB Financial about $3.5 million dollars. MB got all the deposits, customers and loans. If some of those loans go bad, the FDIC will pick up at least 80 percent of the losses. Pelley wondered what Feiger thinks of the health of banking now.

“You have to believe that dozens and dozens and dozens of more banks have to fail. But it’s okay,” Feiger said. “Because I think the process is smooth. Depositors are fully protected by an industry funded FDIC insurance. And I think that taking out the weak players, and taking some capacity out of the industry is good. It’s good for the industry. It’s good for the survivors. It will produce, at the end, a much healthier banking system.”

“If you can put Heritage Community Bank out of its misery, why can’t you do the same with Citigroup?” Pelley asked Bair.

“First of all, I don’t talk about open and operating institutions,” Bair said. “We can only deal with the resolution of a bank, a federally chartered or state chartered depository institution. And these very large institutions that are creating the headlines now, these are really very large financial organizations. So, they have – it’s more than a bank. It’s a broker dealer. It’s offshore operations. It’s foreign deposits.”

60 Minutes noticed that while giant banks get bailed out, investors in failed community banks, like Heritage, get wiped out.

“Ben Bernanke, the chairman of the Federal Reserve, says that the system is unfair for smaller banks, and that’s just the way it is,” Pelley pointed out.

“Well, I think that’s true,” Bair agreed. “And going forward, I think we need to really review the size of these institutions and whether we should do something about that, frankly.”

Bair surprised Pelley when she suggested that maybe the mega banks, those bailed out by taxpayers, shouldn’t be allowed to exist in the future.

“I think that may be something that Congress needs to think about,” she said.

“Actually limit how big a bank can be?” Pelley asked.

“Yeah. Well, you know, I think taxpayers rightfully should ask that if an institution has become so large that there is no alternative except for the taxpayers to provide support, should we allow so many institutions to exceed that kind of threshold,” she explained.

“The idea would be that no bank would grow so large that it posed a systemic risk to the economy,” Pelley said.

“Systemic risk, that’s right,” Bair agreed.

Because Heritage Community Bank was bought by MB Financial, the FDIC didn’t have to pay depositors. Even accounts over the insurance limit were safe. For Cheryl Bates it was her fourth closing this year and certainly not her last.

Asked what she wants people to think when she tells people she’s from the FDIC, Bates said, “I always want ’em to think that I’m one of the good guys. That we are the people that are insuring their money. And that we want to make sure that they get their money back, should their bank fail. That they are going to be okay. Because the FDIC is there.”

The number of failed banks so far this year now stands at more than 30. Click hereLinks to an external site. for a complete list of recent bank failures.

Produced by Henry Schuster

SECOND PAPER – https://www.youtube.com/watch?v=6Djftj0bwusLinks to an external site.Closed Caption

Transcript below:

The fight against counterfeit drugs

There is a new front in the war on drugs, and it’s not the kind of drugs you might think. We’re not talking about cocaine, heroin or methamphetamines. This is about drugs that could wind up in your medicine cabinet: counterfeit prescription drugs, made with cheaper – sometimes even dangerous – ingredients such as highway paint, floor wax, and boric acid.

Criminal counterfeiters will go to any length to evade detection. We found a shadowy network of criminals with made-up names, constantly changing locations and lots and lots of money: an estimated $75 billion a year.

“60 Minutes” and CNN’s Dr. Sanjay Gupta got the chance to observe a surprise early morning raid in Lima, Peru. Some 200 police in riot gear stormed an indoor market. Their target: counterfeit prescription drugs. And they found them everywhere.

There were crude packaging machines and silk screens with imprints of actual name-brand drugs. Hundreds of thousands of counterfeit medicines collected from that raid were traced back to a house. Through a back door and down a narrow hallway we found a tiny, squalid patio that was actually a fake drug factory, turning out an astonishing number of counterfeit medications.

Peruvian police were led here by someone you wouldn’t expect: John Clark, from the American drug company Pfizer.

“I’m looking at this pan with these pills in it. This stuff is going to get into people’s medicine cabinets around the world?” Dr. Gupta asked.

“Unfortunately, yes,” Clark said.

Clark heads up a global security team assembled by Pfizer. The team includes former FBI, Homeland Security and narcotics agents who work with local police to track down criminals around the world. Counterfeit operations like these are costing drug companies millions of dollars a year.

“This has ‘Pfizer’ written all over it,” Gupta remarked, looking at some of the counterfeit drugs.

“And it’s even got the newer Pfizer emblem with the little slant on it and stuff. I mean from the packaging, you’d never know,” Clark said.

In the raid, they discovered about two dozen medicines including antibiotics, seizure, blood pressure and pain medications.

“We’re in the middle of this very primitive courtyard. This doesn’t look like any kind of facility that you’d expect at all. Does this surprise you?” Gupta asked.

“No. No, unfortunately. The quantity of counterfeits you’re seeing is phenomenal. The conditions are just abysmal. And if the consumer ever realized that products that they’re putting inside their bodies come from this, from dirty water, drying out in the open under a heat lamp, insects and everything else getting into it, contaminants being, you know, brought into the equation and stuff, I think they’d be horrified,” Clark said.

According to Clark, counterfeit Pfizer drugs – many from disgusting conditions like the primitive courtyard in Lima – have made their way to pharmacies and hospitals in at least 46 different countries, including England, Canada, and the United States.

“So right now, there are people around the world taking medications to save their own lives who are simply taking the wrong thing, and they don’t even know it?” Gupta asked.

“Yes, absolutely,” Clark said. “If you have any concerns, you should go to your doctor, should go to your pharmacist. If the pill dissolves differently, if it tastes bitter or differently.”

“John, you know, I’m a doctor. I looked at these medicines today. I wouldn’t be able to tell if they were fake or not. And that I’m the person they’re gonna ask,” Gupta remarked. “I don’t know the answer. How are other people gonna know the answer?”

“Next step is every pharmaceutical company will take it back, do the test and then find out if it’s counterfeit, how it got there and then try to get it off the market immediately,” Clark explained.

Produced by Kyra Darnton, Sam Hornblower and Michael Radutzky. The pills from Peru were sent to Pfizer’s testing facility in Groton, Conn. Sometimes counterfeits may have a percentage of the correct active ingredients, but not when it came to a seized antibiotic or an ulcer medicine.

Instead the ulcer medicine contained sugar and chalk. Imagine taking a medication to treat a serious illness with those ingredients.

“People can die. People can be seriously injured, but people can also die,” Kumar Kibble, deputy director at Immigrations and Customs Enforcement (ICE), told Gupta.

Kibble is charged with protecting our borders from illicit trafficking. Over the past few years, his attention has increasingly focused on counterfeit drugs.

“In the scheme of things, how big a threat are fake drugs?” Gupta asked.

“Fake drugs are a big threat. And it is an exploding threat you actually have traditional criminal groups that may have engaged in traditional drug trafficking. And they realize, you know, ‘I can make just as much money, making, you know, tens of dollars on a pill that I manufacture for pennies,’ and have very little exposure in terms of in terms of prosecution,” Kibble explained.

“So, you’re talking about a very low risk, very high reward, potentially tons of money,” Gupta remarked.

“Yeah. Absolutely,” Kibble said. “When you think about that some of these pills can be manufactured you know, for 40 cents and sold for $18 or $20, I mean, just think of that profit potential. I mean, it’s insane.”

Kibble tracks counterfeits from their source in clandestine labs to the United States, where they’re typically sold through rogue Internet sites, often posing as legitimate pharmacies.

Thirty six million Americans are estimated to have bought their medicines from these sites, many searching for quality drugs at a better price. Some sites pretend to be from Canada because Canada is known for safe, inexpensive medicines.

Kibble caught one Israeli counterfeiter on a hidden camera admitting that very scheme.

“These are all your Internet Web sites. Is that really from Canada?” an undercover agent asked.

“Noooo!” the counterfeiter replied, laughing.

That same counterfeiter also told undercover investigators of another, decidedly low-tech, way of smuggling hundreds of thousands of pills into the United States: he simply had them dropped in the mail.

At the postal service facility at New York’s JFK Airport, the sheer volume of packages of counterfeit and suspicious drugs coming into the country is staggering.

“Our resources certainly haven’t kept pace with the volume of products coming into the country or the increase in volume,” David Elder of the Food and Drug Administration told Gupta.

Elder told us that when they do find a fake drug, they’re often forced to ship it back to the sender. On the day “60 Minutes” was there, they found pills and vials from India posing as legitimate thyroid, fertility and hypertension medication. They had to send it all back.

“That sounds crazy. Why not go after this person?” Gupta asked.

“We don’t have the authority to actually destroy this on site. This product could very well come back into the country through a different mail facility. Maybe it gets through. Maybe it gets stopped,” Elder said.

“But they’re banking on one of these times you’re gonna miss,” Gupta pointed out.

“Yeah, I think they are,” Elder acknowledged.

And many of these fakes are so sophisticated, even investigators at an FDA lab in Cincinnati couldn’t distinguish which bottle of Zyprexa was fake with the naked eye. Using a forensic light source, they can test the ink – the label that lights up is the real one.

A fake Lipitor pill looked so authentic they had to superimpose a diagram of an actual pill to see that the number “20” on the pill did not match up.

“With the naked eye, you could not see this,” a lab technician pointed out.

Balbir Bhogal was recently arrested in Madison, Wis. for allegedly trafficking counterfeit drugs.

“As they say in India, you can manufacture anything. There’s no limit,” he told Gupta.

Bhogal is also accused of providing millions of anti-anxiety pills from India to a Web site operator for a site with a common, seemingly harmless name.

“He was running a Internet pharmacy, which is actually, I discovered recently that its Web site, ‘Easy Meds for You,'” Bhogal said. “He had lots and lots of suppliers.”

Bhogal told Gupta he never met the site’s operator and that it’s a totally virtual operation. “Never met him and I didn’t even know believe his name was real or not,” he said.

Bhogal maintains his innocence and claims he was only supplying anti-anxiety medicines with the proper formulation and thought it was for the Asian market. The government says he knew the pills were illegally coming into the United States.

“Were you worried at all about these medications? Where they were gonna end up?” Gupta asked.

“Never looked at that issue at all,” he replied.

Asked if he wish he had, Bhogal said, “Yes.”

What is even more alarming is these counterfeit medications are not just being sold on the Internet. They are also making their way into mainstream pharmacies and hospitals. FDA Commissioner Margaret Hamburg says that while the vast majority of our drug supply is safe, there’s reason for concern.

“You know, we don’t really know the full dimensions of the problem. But, we do know that in certain countries somewhere between 30 and 50 percent of really important drugs for health are, in fact, counterfeit,” Commissioner Hamburg said.

“How does all this increase in counterfeit drugs around the world affect the United States?” Gupta asked.

“Just consider that 40 percent of drugs taken in this country come from other countries; 80 percent of the active pharmaceutical ingredients in drugs taken in this country actually come from other countries,” Hamburg said.

Even if the prescription medications are manufactured in the United States, the raw ingredients often come from overseas, through a complicated web of suppliers and distributors – and are increasingly vulnerable to counterfeiting.

That is what happened in 2008 with the blood thinner heparin, which millions of Americans rely on to prevent blood clots. Little did the manufacturer, Baxter International, know that one of the raw ingredients from China was counterfeit.

“How many people were affected by this?” Gupta asked Hamburg.

“In this country a little over 80 people actually died from contaminated heparin,”

Baxter says the number of deaths is closer to four or five, but everyone agrees it’s difficult to know the exact number.

Nurse Colleen Hubley says at her dialysis center in Toledo, Ohio, she saw one patient have cardiac arrest and others with strange symptoms after receiving heparin.

“Having hypotension, diarrhea, vomiting, not feeling well, getting off treatment early. I even had another patient that stated to me, you know, ‘What is going on around here?'” Hubley said.

“Had you ever seen anything like this?” Gupta asked.

“No,” she replied.

And then she says she saw the same symptoms in her own family: within a few weeks, she says her husband Randy and her mother-in-law, both regular users of heparin due to chronic kidney disease, had bad reactions to the drug and died within a few days.

Baxter, which is being sued by Coleen Hubley and others, disputes that and says the serious underlying medical conditions of her family and patient “much more likely caused their deaths.”

“You lost one of your patients, your mother-in-law and your husband, Randy, within a month or so,” Gupta remarked.

“Gone,” Hubley said.

Hubley says she never imagined heparin could be counterfeit.

“You really counted on that heparin being perfectly fine,” Gupta remarked.

“Yes. We did. And I don’t know if, in my nursing career, I’ll ever take anything for granted again,” Hubley said.

Baxter’s CEO told Congress that he deeply regretted what had happened. The company told “60 Minutes” in a letter that the counterfeit ingredient so closely mimicked heparin that “it was able to evade the quality control systems and regulatory oversight of more than a dozen companies and nearly a dozen countries.”

Three years later, FDA Commissioner Hamburg told us they’re still struggling to get to the bottom of it.

“Do you know who perpetrated this crime, with the heparin contamination, or exactly how they did it?” Gupta asked.

“We do not know the answer to that question,” she replied.

Despite what happened with heparin, most of the ingredients in our medicines today still come from other countries, including China and India, which have notoriously weak regulatory systems. The FDA only inspects about 12 percent of overseas facilities a year.

“Everyone’s concerned, it’s hard to regulate. It’s potentially problematic. Even deadly. Why does it continue to happen?” Gupta asked.

“I think that we live in a globalized world. And components of all kinds of products are gonna come from all over the world,” Hamburg said.

“It’s cheaper over there. It’s economics,” Gupta remarked.

“It is economics, for the companies. I do believe that we can do an enormous amount to strengthen the safety of the supply chain,” Hamburg said.

Drug companies say they already have their own systems in place to protect their supply chains. But they also have to worry about those clandestine labs, like the one we saw in Peru, which are popping up all around the world, according to Pfizer’s John Clark.

“If there are no consequences for those doing this, then there’s no disincentive not to just go back and do it again once you’re caught. I mean the profit on illegal medicines is just phenomenal,” he explained.

And catching them isn’t easy: at the lab in Peru, police arrested a messenger, but the kingpin of the counterfeit drug operation had slipped away.

“What do you think, John, they gonna find this guy?” Gupta asked.

“They’ll be lucky if they do,” Clark replied.

THIRD PAPER- https://www.youtube.coM/watch?v=3wUJesUik5ALinks to an external site.Closed caption

The Man Who Figured Out Madoff’s Scheme

Until a few months ago, Harry Markopolos was an obscure financial analyst and mildly eccentric fraud investigator from Boston who most people would never notice on the street.

But today he enjoys an almost heroic status, pursued by journalists and movie producers, and honored by colleagues as the man who went to the Securities and Exchange Commission and blew the whistle on Bernie Madoff and his $50 billion fraud.

But he seems uncomfortable with the attention, and knows that he is no hero. “I stand before you a 50 billion dollar failure,” he said at an event.

Asked how many times he sent materials to the SEC, Markopolos told Kroft, “May 2000. October 2001. October, November, and December of 2005. Then again June 2007. And finally April 2008. So five separate SEC submissions.”

“And in spite of all of the things that you did, it still ended up in disaster?” Kroft asked.

“There’s nothing to be proud about in this case. I feel horrible about the result. It’s been a total disaster for the victims,” Markopolos replied.

It began a decade ago, when Markopolos was working for a Boston investment firm. His boss told him that Madoff, a former chairman of the NASDAQ stock exchange, was running a huge unregistered hedge fund that was producing incredible returns. He wanted Markopolos to reverse-engineer its trading strategy and revenue streams so the firm could duplicate Madoff’s results.

“He had the patina of being a respected citizen. One of the most successful businessmen in New York, and certainly, one of the most powerful men on Wall Street. You would never suspect him of fraud. Unless you knew the math,” Markopolos told Kroft.

“I mean, you’re like a math guy, right?” Kroft asked.

“I’ve taken all the calculus courses, from integral calculus through differential calculus, as well as linear algebra. And statistics, both normal and non-normal,” Markopolos said.

Asked how long it took him to figure out something was wrong, Markopolos said, “It took me five minutes to know that it was a fraud. It took me another almost four hours of mathematical modeling to prove that it was a fraud. “

It was the performance line that Markopolos said caught his attention. “As we know, markets go up and down, and his only went up. He had very few down months. Only four percent of the months were down months. And that would be equivalent to a baseball player in the major leagues batting .960 for a year. Clearly impossible. You would suspect cheating immediately.”

“Maybe he was just good,” Kroft remarked.

“No one

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