The agency started as different, and I think that over time it will get even more different.

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As for the fiscal cliff, I still think that those who sold in fear over its consequences will regret it.

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"I think that over time people will at very worst get used to it and maybe some of the people who say they really hate it now will grow to like it, " she said.

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Once this credentials problem goes away I think it will be higher education which is the next industry to be entirely over turned by modern technology.

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Given these systems' clarity, functionality and modernity the way the human interface crosses over from other digital devices I think it will be hard to go back.

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So I think over the next 6 to 12 months, with the slow economy, it will still continue to be the big issues of employment, stimulus and QE2, that are the focus.

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And I think as China makes that transition from a developing country into a major power, that it will see that over the long term it is in its interest as well to abide by these rules and norms.

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