morning. it is the first day of december. a great deal for investors to tackle this month. beginning with the jobs report on friday. last report before the fed makes a decision on interest rates. the consensus it is likely to raise rates. nearly every jobs indicator has been improving. even the under employment rate. especially for college graduates. it is now just 6.2%. compared to 10.2% during the recession. the analysis shows tales of college educated baristas is rarer. the college degree is the ticket out of under employment. the federal reserve's message to big banks. don't expect a bailout in the next financial crisis. the fed cannot give funding to banks going bankrupt. if it had been in place during the financial crisis, it would have prevented giving money to