j.p. morgan chase reportedly reaching a tentative $13 billion deal to settle civil investigations into the bank's mortgage-backed securities business. remember that? the biggest amount paid by a financial firm in a settlement with the united states government. and this isn't j.p. morgan's first time settling with the u.s. government. the largest u.s. bank spent billions in the last two years alone. here with more is the host of "varney and company," stuart varney. this is to settle civil problems but they still could be on the hook criminally? >> this latest $13 billion fine, settlement, call it what you will, does not include exclusion of possible criminal charges down the road. in other words, these bankers at j.p. morgan could be subject to criminal charges later. they have already paid out this $13 billion. that's the settlement