coming up, it s not just the fiscal cliff taxpayers should be bracing for. now there is al gore s climate cliff. plus a new plan to keep the lights from going out when the next sandy hits. that could hit everyone s electric k in 1894, bill. good times. never taking a bailout. there when you need them. helping millions of americans over the centuries. the strength of a global financial leader. the heart of a one-to-one relationship. together for your future.