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CALM is an acronym for a new law that takes effect Thursday. It stands for the Commercial Advertisement Loudness Mitigation Act, and it means you won't have to jump for your TV remote the second commercials air. The law says the volume of commercials needs to be the same as the programs they're coming out of.

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DAVID GREENE, HOST:

NPR's business news starts with supervising banks in the EU.

(SOUNDBITE OF MUSIC)

Of the 535 members of Congress, not many appear to be in the loop about the "fiscal cliff" negotiations. That makes the rest nervous about having to vote on a bill on short notice despite misgivings about what's in it. But this is often how major deals get accomplished in Washington.

In these budget negotiations, the names Boehner and Obama come up most often — and virtually all the rest are on the outside looking in.

As any cheese maker will tell you, it's not that hard to make cheese. You just take some fresh milk, warm it up a bit, and add something acidic to curdle it. Then, once it has cooled, you drain off the whey — the liquid part — and you're left with cheese.

If a kid does something bad and you want to discipline him — give him a timeout, say, or take away a toy — there are some basic principles that seem to work.

The punishment needs to happen quickly after the bad behavior. And it needs to be significant enough to get noticed. Those rules aren't just for kids; they need to hold true for any type of punishment to be effective.

But if you're a federal regulator punishing a bank, it can be tough to be swift enough and to levee a penalty that's severe enough to make a difference.

In a closed-door meeting Thursday, lawmakers will consider whether to approve a secret report that chronicles CIA detention and interrogation practices — including methods that critics have compared to torture.

That report — along with the release of a new movie about the hunt for Osama bin Laden — is rekindling an old debate about whether those methods worked.

Troy Evans preaches at Edge Urban Fellowship in a rundown Grand Rapids, Mich., neighborhood known for prostitution. Inside what looks like an abandoned office building are walls covered by graffiti. There are tattooed people wearing baseball caps and jeans. Three 20-year-old men holding mics get ready to bust out some elaborate dance moves.

It may seem like a hip-hop show, but it's actually church.