there s a lot of talk coming from citigroup about how dodd-frank isn t perfect. so let me say this to anyone who is listening at citi. i agree with you. dodd-frank isn t perfect. it should have broken you into pieces. welcome to morning joe. all morning we ll take a look at the year that was. we ll be starting with somebody who not only made headlines this year but likely to continue making waves in 2015 and beyond. i do have to call her madam president. oh, stop. don t go david muir on me. you told me i had to call her madam president. it s feeling i have. nothing she would talk about today quite frankly. we ll talk about your book. how are you i m doing great. so reading this i learned so much about you as a person and what formed you. but this interesting strain that starts a little bit as your adult life is just beginning, this obsession, this mad obsession with bankruptcy. you were you never let go. you were like a jack russell holding on to your ob