* Big Deal: Capital One to buy ING Direct for $9 billion

* Overdue: SEC considers civil fraud charges against credit rating agencies for their role in mortgage mess

* Morning Call: U.S. futures point higher, London falls early, European shares climb on Sarkozy comments and the Nikkei hits 3-month low.

* Thomas Hoening: No UBS in the USA

* Blackstone’s Byron Wien: Time for a pause

* Paul Roales: Please don’t call your elected officials (seriously)

* Made in the USA: Some companies are bringing jobs back home

* Own worst enemy: PR agency loses biggest account with a single tweet

* Hans Nichols: Who will replace Austin Goolsbee?

* Nick Bilton: Facebook (finally) readies an iPad app

* Jim Cramer: What Armageddon might look like

* Paul Graham video: Startups must improve lives

* Say what? 16 meaningless phrases that will make you sound smart on CNBC

* Hockey line of the day: “”It should be a great moment at customs when agents ask Neely, Julien, and Chara if they have anything to declare.”