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**FILE** Denver Broncos quarterback Peyton Manning (18) calls an audible against the San Diego Chargers during the second quarter of the Broncos' 30-23 win in Denver on Nov. 18, 2012,. (Associated Press)

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Chamber of Commerce President and CEO Tom Donohue, shown last year with Japanese Prime Minister Yoshihiko Noda, said that regulatory burdens and the recent "fiscal cliff" tax increases are among the biggest issues that are discouraging job creation. (Associated Press)

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Consumer Financial Protection Bureau Director Richard Cordray said an effort was made to hit a balance between the abuses that once made mortgages too easy to get and overly strict standards that hampered borrowers with good credit. (Associated Press)

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Trader Jonathan Corpina (right) works on the floor of the New York Stock Exchange on Jan. 10, 2013. (Associated Press)

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President Obama (center), accompanied by outgoing Treasury Secretary Timothy F. Geithner (left), announces in the East Room of the White House in Washington on Thursday, Jan. 10, 2013, that he will nominate current White House Chief of Staff Jack Lew (right) as the next secretary of the treasury. (AP Photo/Carolyn Kaster)

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**FILE** David M. Walker, president and chief executive officer of the Peter G. Peterson Foundation (The Washington Times)