Where did you go to university? http://www.sealav.com/ wwwtube8.com As of a week ago, JP Morgan was offering to pay only $11 billion, and for the past two weeks a “sticking point” has been Dimon’s demand that any agreement over civil matters include a non-prosecution agreement from DOJ, agreeing not to criminally prosecute anyone at JP Morgan for misrepresenting the quality of mortgages to investors.