The Minnesota Commerce Department says state regulators have sufficient tools to protect Xcel Energy's Minnesota ratepayers from the company's financially troubled NRG Energy subsidiary. The advisory comments go to the Minnesota Public Utilities Commission, which is looking into the effect of NRG on ratepayers. The comments come a day before Xcel has to find more than a billion dollars in collateral for NRG. Company officials say they won't be able to raise the money by then and expect to ask lenders for an extension. Minnesota Public Radio's Bill Catlin reports.