the hotels is, for example, let's say, 6,000 points a night but if you throw in $20 a night, it will go down to maybe 4500 points a night. with 170,000 miles that would last me a little over 30 nights or so. >> boy, can you believe that? "cnn newsroom" continues right now with ali velshi. >> tony, thank you. you have yourself a great afternoon. i'm ali velshi. i'm going to be with you for the next two hours, today and every weekday. i'm going take every important topic we cover and break it down for you. i'm going to give you a level of detail that will help you make important decisions about your health care, your tax dollars and your security. here's what i've got. you spoken out on health care reform in a big way. the verdict, you want more information on how the changes will affect you. well, we've got that information. we're bringing back the avatars to give you a clear picture of where you stand. plus, the health care battle is far from over. 14 states are suing is federal government calling the reforms

unconstitution a. some of the states have governors wgovernor s who fought in faye vor for the reform. also, remember the trainer who was killed by a killer whale at seaworld? here's video footage of her violent death. there's a big question over whether or not it should be released. here wg having heated debate on my facebook page about it. 22 pens, capacity crowd, lights, jubilation, that was yesterday's signing ceremony. today president obama signs another measure that is tied to the landmark health care overhaul. this one is pretty low profile. at 2:30 eastern, 90 minutes from now, the president will sign the executive order that swayed a crucial number of anti-abortion rights democrats to help pass reform. those dems will join him along with democratic senator jbob casey. cameras are not invited. that's a list of the people who will be in the oval office. the order restates existing federal law which limits

abortion funding to cases of rape or insist or when the mother's life is in danger. those limits would extend to future insurance exchanges. exchanges, think of them as marketplaces. will have to offer at least one plan that does not cover abortion. and those that do will have to keep abortion money strictly separate from their other funds. for policyholders, that will mean writing two checks at premium time. in the meantime the senate is wading through 20 hours of debate on a measure that would tweak the bill that president obama signed yesterday. this continues to get confusing. the companion bill that they're working on is a very small fraction of the size of the original bill. it's about 150 pages long. under the rules of reconciliation it can be amended but it can't be filibustered. republicans the still hoping to push them off the rails. amendments are key. here are some they propose. borrowi cutting so-called sweett deals for specific states, and

stripping out an overhaul of the federal student loan program which democrats tacked on to bypass a filibuster. now, after the debate, comes what some people are calling voterroma. it's going to wrap up on friday. remember, any change at all would send the measure back to the house and send house leaders, i suppose to their medicine cabinets. a andlest we forget states claiming that federal health reforms are an unconstitutional power grab, that the states have the right to legislate health care. it's not a right that was given to the federal government explicitly in the constitution, so they can't take it. later this hour, i'll talk with a republican senator who supports those suits and a democratic governor who doesn't, even though her state is one of the ones that is suing. okay. that's the policy debate. let's just take that off the table for now because you have told us that you want to know what it means for patients, for

taxpayers, what does it mean for your bottom line. senior medical correspondent elizabeth cohen is putting names and faces to all those aches and pains, whether they're hurting you physically or financially. she's been doing a great job in the last couple of days with these avatars that she's rest sur rethed for us. there may be no better way to tell the story than through the avatars. now we have a bill that we can look at you can actually tell us how different people are being effected by health care. so take it away. >> all right. let's take a look at what this bill will mean for, first of all, undocumented ursula. ursula is in this country illegally. there are 7 million of them p in many ways you and i pay for them when they get trooeeatment. what this bill does for undocumented ursula is nothing. she cannot go on the exchange. she's not allowed to go there. >> she can't buy insurance that way. >> she can't.

the way that it does, i should say almost zero. it does help her in that this bill has a lot of money for the free clinics, the community health clinics. >> she might be there. >> she can go there. they do take undocumented workers. i shouldn't say completely nothing. but not explicitly for her. that's right. let's say good-bye to ursula and say hello to laidoff luke. >> there are lots of people like laid off luke. >> luke has a pink slip, job application, he's trying. he can't afford cobra because like who can afford cobra. very expensive. what does this bill do for you him right now at this minute? ali, i'm going to draw another zero. it really does not do very much for him at all. starting in 2014 he'll get some subsid daies but right now his t bet is to get on medicaid. >> these folks are in the worst situation. cobra is very expensive. under the stimulus cobra costs were reduced for a while. ultimately that runs out.

and once you're laid off and you're out of cobra, you're kind of out of luck. >> you are kind of out of luck. it was a lot of debate over the past year about what to do for people like him. but really he is sort of in this category of people that gets a little bit stuck until 2014 when he does get some subsidies. >> he gets subsidies. by the way, by 2014 we start to see more insurance kicking in. which means if you're bilg it, not as part of a company, do we think it's going to get cheaper for people to buy their own insurance? >> it should get -- depends on how much money you make. by definition if you're making less than 88,000 it should get cheaper because you're getting a subsidy. for those people, yes. if you're making more than that it might get more expensive. >> got it. very good. we're going to take a break and come back and see some more examples of very, very specific people and how you will be affected. you might see yourself in one of these avatars. we're going to figure out how you're affected by health care reform now and when things kick in later.

okay, we're back with elizabeth. we're looking at how the health care changes will affect people specifically. last block you told us about some people who will see marginal benefit. now you're going show us people who are down right not happy about it. >> not happy about it at all.

first of all, the rich family. they are not so happy about this bill because they make $250,000 a year. okay? and they used to pay about $3600 in medicare, payroll taxes. all right? with health care reform, they're now paying about $5900 per year. so that was sort of the ways. remember we talked about how are we going to pay for this thing. this is one of the ways. >> by the way, in addition to this, they're going to pay taxes on stuff that has nothing to do with payroll taxes. taxes on investments, on dividends and things like this. >> good point. >> extra there. so the tax rate -- that's why you're the business guy. >> they're not happy. let's take the smiles off their faces. >> exactly. there we go. >> let's do that. >> okay. and all right, now we have tanning bed tammy. >> this is an interesting one. >> this is kind of funny. i would have loved to have been in the room where they thought, wow, let's tax people who tan. >> jersey shore edition of health care reform. >> that's not a mustache, that's

a sad face. tammy should have a sad face. she's going to experience a 10% tax on her tanning activities. and again, just one more way -- >> what she pays when she -- nothing to do with insurance because people who go to tanning salons don't claim that on insurance. >> no. >> you go and pay your money and it's going to cost her 10% more because that 10% is going to subsidize health kay reform. >> exactly. >> is that the government saying they don't like tanning? >> that's one way of doing it. they would say there's nothing in it for everybody else. you get a tan but you also increases your chance of getting cancer. >> you medical types don't seem to be a big fan of tanning salons. >> it's not recommended. >> tanning bed tammy is not going to be pleased. >> let's take a look at a third person here. small business saul. he's got a smirk on his face here because he has a business of 60 employees that he's going to have to pay a tax of about $2,000 per employee because he

doesn't offer insurance. >> fine. >> a fine, not a tax. i should say the word fine. that is a fine, not a tax. there are all sorts of caveats. pretty much boils down to that. saul doesn't offer insurance. >> he needs to make a calculation to say can i offer insurance and is it going to be less than $2,000. i certainly haven't looked into it as much as you have. my look at insurance is that no business can really insure their employees for $2,000. >> probably not. >> until things change, maybe they'll change. for now if he doesn't want to pay it he's going to end up paying that fine. >> i imagine what's going to happen is as they see how small businesses respond, if they see a lot of them prefer to pay the fine, maybe they make that fine bigger. i don't know. it will be interesting to see how that changes over time. >> all right. this is excellent. you have others? >> this is it, the three of them. >> one later on in the show because you talked about this yesterday, students who go to college and are under their parents, they will now see an extension until the age of 26. >> right.

>> that will kick in in six months. >> as long as they remain democratics. >> we're going to talk in detail about that. so if you have students in college, we're going to talk about that later. elizabeth, thank you. listen, if you're at starbucks, the ceo of starbucks, what do you think your biggest expenditure is? believe it or not, it's not poppy beans. there she is.

i may be a business guy but i actually know less about starbucks than the average person. i tend to get my coffee out of a machine in the back here and it doesn't cost me anything. it's a big story. if you're starbucks, this is a real bean counters dilemma. they spend more on health care than they do an the raw materials to make the coffee that you buy. that's exactly why starbucks

says it is so emphatic about push for health care reform. they've really been pushing for reform. poppy harlow has been following it. she joins me now from cnnmoney.com. she sat down and talked with the boss at starbucks about health care. poppy? >> it's interesting because this is isn't i didn't know about starbucks before i prepared for the interview with ceo. his name is howard shultz. he's been the head for decades. he sat down with the president and talked to him about this. starbucks gives health insurance, offering it to any employees, including the baristas behind the counter as long as they work there three months and 20 hours a week. that's unlike a lot of companies in their sector. why do they do it? you've got to go back decades to when howard was a kid growing up in brooklyn. as he puts it, on the wrong side of the tracks. he said everyone should be treated equally. he takes issue with the fact there are millions of americans about health care. despite the company's hard times

over the last two years, he would not give up health care for his employees. ali, it costs $300 million for starbucks every year to provide this. $300 million more than that spend on the coffee if i want you to take a quick listen to part of our interview when he talked about his reasoning behind this. >> i can't get engaged in the political debate one way or the other, but one thing is for certain, almost 50 million people are uninsured. that doesn't feel like to me and it shouldn't do anyone in america. and second, if companies like starbucks, and there many companies like starbucks, who do the right thing m this kind of cost basis and it continues to rise, at some point you've got to stand up and say that not only is the system broken, but once and for all, it has to be fixed in a way that provides a company like starbucks and others an opportunity to do the right thing without turning its back on its people. >> so you heard it, ali. he said the system's broken. it has to be fixed.

that interview was just a few days before health care reform passed in the house. whether or not this is the fix that starbucks and other companies need, ali, that's the question. is it going to take away the burden of that cost from corporations. >> that is a big question. one thing we've seen is that while this bill addresses insuring people 32 million people who wasn't insured, it doesn't fully tackle the cost of health care. it's been going up at a rate much faster than inflation. >> exactly right. in our interview he called it a run away train. something that we cannot sustain this cost. he even -- this was interesting. he had one of their major shareholders call him on the phone and say this is the per fith time for you to get rid of health care and save the company money. howard said, easy answer, just not going to do it. you have to find that balance between what washington is going to give, what businesses are going to give, and what

consumers and employees can do, ali. big question. we're going to have more of it for you in the next hour. >> kudos to starbucks for making those decisions. i still find the coffee a little expensive but people do love it, poppy. good to see you. >> i don't drink coffee. pop i've got to do a plug for "your money." if you're out and about, there's an encore presentation what some people in the old days would call a replay. let's check out top stories we're following here at cnn. this is just in. senior pentagon source tells us that the defense department plans to ease the policy on gays in the military. don't ask don't tell policy has been mired in controversy and now defense secretary robert gates is expected to announce some changes to it. one change, if a gay soldier is outed by another military member, that won't automatically set the wheels in motion for discharge proceedings. as you know, president obama has asked for the entire system of don't ask don't tell to be

pulled. also in washington, senate republicans are rolling out their last-pin it tactics to undermine the health care overhaul. they promise to use every particle lentry tool available to derail the measure during the 20 hours doef bait before the reconciliation vote. it can't be filibustered but it can be amended, and amendments mean it has to go back to the house. president obama's foreclosure prevention program is blasted by a government watchdog who says it may be more harm than good. the special inspector general for t.a.r.p. says the program has been mismanaged. now there's a risk that many homeowners may redefault. the report says $75 billion loan modification mayhem as few as 1.5 million people, half of the administration's low end of the goal. and in mississippi, a lesbian teens a won a court battle over her right to take her girlfriend to the prom. but the big dance is still canceled. the courtside with the 18-year-old constance mcmillen saying school violated her first amendment rights with its ban on

same-sex dates. but the judge stopped short of forcing the school to hold the prom. students will have to attend to a. private party instead. straight ahead, the legal fight over health reforms. if you'll thought there were twists and turns in washington, wait until you hear what's going on in washington state. i've got the governor on the phone. phone. we'll speak to her in a moment.

democratic health care reform in congress, republican opponents have other options, including lawsuits. as we've been reporting to you, 14 states, these states in red, have filed suits that challenge the very constitutionality of the new federal mandates, especially the run requiring almost all americans to buy coverage or pay fines. basically the attorneys general in these states say that is not a right that is given to the federal government for them to put that into the law. all of those states, by the way, have republican attorneys general, except one, louisiana. but four of the states have democratic governors who in some

cases campaigned actively in favor of health care reform. democratic governors, republican elected attorneys general and there is the rub. washington state is one of those four and a very unhappy governor, christine gregoire joins me on the phone from olympia. you're not happy your attorney general joined the suit. >> what he done is put the position of the state of washington and its people is to die health care reform in this state. a leaves behind small businesses and those are pre-existing conditions. those who are uninsured, young adults, those reason medicare. and it leaves behind my taxpayers who are paying for the uninsured today. to say that he represents the people of the state of washington i find fundamentally flawed. >> governor, most people realize the attorney general is elected separately from the governor and it can happen like in your state where they're from different parties. were you consulted regarding

this lawsuit? >> i was not. i served three terms as attorney general in my state and by tradition the office always consults with the chief client and that client is the governor of the state. more often than not, when we're involved in public policy, with the speaker of the house and majority leader in the senate, no consultation was had here. i was notify bd anewspaper article. >> has your office communicated with him? >> i called him on the phone when i saw the newspaper article and said this s. this true. he indicated it was. i proceeded to explain to him, are you aware of the benefits to the people of the state of washington and some fairness issues that washington state has fought for for decades and how if you undermine this bill and the action that you're taking, what we will see ourselves is fundamentally, again, being treated unfairly, in my opinion, by medicaid reimbursement to our health care providers. he wasn't aware of that. he had not consulted. he made up his mind. he joined the lawsuit.

i'm just concerned that attorneys general, myself having been one, having a right to be independent but they do an obligation to consult with their chief client. >> let me read a statement we got from the attorney general. he said, i'm concerned about the measure unconstitutionally requires all washingtonians to purchase health insurance and places an extraordinary burden on our state budget. the bottom line is, they are referring to the tenth amendment and the federal government's rights vis-a-vis imposing the kind of penalties, restrictions or machine mandates that the bill has. you were attorney general. do you agree with that interpretation? >> i surely do not. when we look at the responsibility that we have as individuals in this country, we step up to that. sometimes by requirement. i contribute obviously to fire protection in my community.

i have never yet had to use the fire department. i pay my taxes. the federal taxes te es tees tee to pay my taxes and those are used to help those less fortunate and for other purposes. i contribute to that. our taxpayers in this state today are paying for the uninsured. it isn't free. what that means is that our insurance is growing dramatically. some by rates of 30% to 50% because we're having to pay in our own health insurance for those who have none. our taxpayers are having to pay for those who have none. so what the bill does says basically everybody has to accept individual responsibility. that's as it's done in so many different ways in this country. that's as it should be. finally health care reform in america, i think is good for all americans. >> governor, you and three of your gubernatorial colleagues are all today having to face the same situation, in that you've got attorneys jen that appear to be working contrary to what your position is.

so there may be four different approach toes hes to how to dea this. what is your best approach to feeling represented in this lawsuit or making sure as this lawsuit goes forward your differences are heard? >> i want the voice of those washingt washingtonians, those taxpayers, businesses, beneficiaries, the young adults, uninsured to all have their voice in that courtroom. i told the attorney general i expect representations. i'm entitled to it in washington state. unfortunately that leads us to a situation in which washington state will be in a courtroom arguing against itself. that should be avoided under any circumstance possible. i had hoped it would be avoided here, but i can't sit back and not allow the voices of those people, taxpayers and others who will benefit from this health care reform, to not be heard by that court. >> governor, thank you for joining us. we will follow this with great interest and we will be talking to your colleagues in other

states who are also in the same position. governor christine gregoire is the governor of washington state at odds with her attorney general about the lawsuit filed where washington state is a participant. we are not done with this conversation yet. after the break, i'll talk to a republican senator who couldn't be happier that his state is challenging federal health reform.

i've got a few e-mails about aren't we done with health care reform? you need to know a little bit of the politics still going on, usually by the time the president signed a bill it's done. in this case because of tgoings in washington it's not done. 14 states are suing to block it. florida, here are states, by the way. these are the 14 states. florida is one of the states. republican governor, republican attorney general, no conflict within the state. they're leading a states rights backlash. talking about the tenth smdment and the fact that the federal government has not explicitly been given the right to impose a mandate on americans to either get health care coverage or pay a fine or a tax if they don't have it. florida's republican senator george lemieux is behind this move 100%. he joins us now from capitol hill.

senator, thank you for joining us. >> thanks for having me, ali. >> i just spoke to christine gregoire, one of four governors and states who joined this lawsuit who have r. not in agreement with their attorneys general about going forward with this lawsuit. but it sort of just underscores the issue here. and that is that people thought this was done and they were going forward with it. i want to understand the basis behind this lawsuit because generally speaking there are going to be states that don't like things that the federal government does. why does this sort of elevate to a different level? >> well, the issue is not whether or not the states like it, it's whether or not it's within the federal government's authority under the constitution to do parts of this bill. and the one part that is really being seized on by our attorney general in florida and attorneys general in other states is this idea of the machine date. that the federal governmenting is go to tax or fine you if you don't purchase health insurance. that is beyond precedent in this country. we've never said that the congress has the power to enact

a law to fine you for not doing something. so that's one of the arguments he's making, among others. i think it really is a state's rights issue and also the right of the people to have their own authority and not to be regulated by the government in an area we never intended the government to be. >> what in your mind would be the best outcome of this? there's obviously something a little political about this. mostly republicans backing it and a last stand against health care reform. are you expecting to see this go all of the way to the supreme court and possibly win? >> well, it is going to go to the supreme court, i think. i think they make a very good argument. i used to be the deputy attorney general in florida. i reviewed the case law. i don't think the united states supreme court said congress could go this far. so i think they will win. look, this health care bill is not over. we're going to debate and discuss this issue for the coming decade. it's a program we can't afford. there's substantial cuts to medicare. we're going to put 15 million

new people into medicaid. i filed an amendment today on the floor of the united states senate that says, look, if medicaid's good enough for 15 million more people, 50 million in total, let's put the united states congress, let's put all 535 of us and joe biden into the medicaid program. it's a failing program. it's not working in our states. and it will expose the hypocrisy of this health care bill. >> as a former deputy attorney general and a u.s. senator and you have read all of this, tell me how we square this circle. we do accept that congress does mandate all sorts of things that involve people having to do something or pay a tax of some sort for it. why is this so different? >> well, under the commerce clause, which is under article i of the constitution when it talks about the renumerated powers of congress, the congress has the power to regulate commerce. the supreme court over time has viewed that very broadly but they have never applied it to a situation where someone is

failing to do something, failing to take an action. they've never said the federal government could regulate that far. and i really think that is the clear distinction here. this is not saying we're going to regulate you because you bought a bushel of wheat. >> what about if you fail to pay your income tax or fail to register for the selective service. there are provisions that allow you to be penalized if you don't do certain things. >> well, the income tax, for example, is a specific provision in the constitution. it is a different provision. i think the selective service thing is different. i think that's defending the country. i don't think that is a failure to act. to purchase health care insurance, which you're supposed to be taking care of yourself. the federal government says we care more about you than you do, we're going to make you buy health insurance that you wouldn't buy for yourself. i think that's beyond what our framers intended. i think it's beyond the clear language of the constitution. >> senator, thank you for taking the time to explain this to us.

it does start to get complicated. appreciate talking to you. >> thanks for having me on, ali. >> senator george lemieux joining us from capitol hill, senator from florida. you would face a lot more questioning at the airport if robert harding had his way. he's the man who has been nominated by president obama to head the transportation security administration. and he's telling lawmakers he wants to make u.s. airports more like israeli airports. our security desk has a closer look, straight ahead.

all right. here's an interesting development that is going to affect all of you. you may not know nor generally care who is in charge of the transportation security administration, as you know i travel a great deal. i do kind of care because i want to know how they want to run the place. and if the guy who is on the seat to be nominated for this job gets his way, things are going to change for all of us. in particular, for me. it might take me a little longer to get through security but it might be safer. kate baldoun is following this at our security desk in washington. that's the story here, kate? >> hey, there, ali. you really kind of hit the nail on the head. we're talking about why am i talking about israeli airport security model and we're talking about airports in the united states. well, moving towards a more like the israeli airport security model is part of the strategy that president obama's nominee to leave the transportation security administration says he wants to utilize here on u.s.

soil. who we're talking about is retired army major general robert harding. he's in the middle of confirmation hearings on capitol hill, yesterday and again today. listen to a little bit of that. >> i agree with you that we should move even closer to an israeli model where there's more engagement with passengers. i think that increases the layers and pushes the layers out. i think that's a very important aspect of providing security, is engaging the public. >> he mentioned it right there, but what this comes down to is more passenger engagement, as they call it. and while harding said he would like to move more in the direction of the israeli model he didn't say exactly how far. and that's important point out, ali. you probably know but a lot of our viewers may not. the airport security model is marked by aggressive questioning of passengers.

interviewing every passenger that arrives in the airport, anywhere between one minute and ten minutes. extreme cases, up to an hour. they may even in some cases ask you to provide documentation to support some of the answers to the questions. like the you're going to a business conference, provide documentation for what that really means. that would be a big increase and a lot more personal interaction in terms of airport security. >> part of the israeli model isn't just the information gathering but the idea if you're engaging somebody for that period of time, you're more likely to sense whether they're lying to you or not. >> and one of the -- we actually spoke to the former head of security for the airport in tel aviv, and he said that it's about getting emotional cues. people are more likely and personal interaction to give up emotional cues if they're suspicious or if they have some kind of -- if they're hiding something than if you're simply just walking through a magnetometer. >> we've got the tsa who put people who observe behavior of people in the lines. but this would be taking it f

firffu furth further. the israeli model takes place before check-in. that would mean different structure, not having airline employees but security employees asking you questions before you get to check-? >> it would be a big change if you went to their model. they advise pa passengers to come to the airport for three hours. that would negate the reason for flying in some cases if it's a 45-minute flight. that's actually what the former head of security at the airport said. he said it may not be -- the israeli model may not be a perfect match for the united states because of certain privacy concerns which this aggressive questioning has been criticized for and the sheer volume of passengers compared to israeli airport. he said more human interaction would benefit the u.s. >> robert harding hasn't said specifically what type of changes he would make. kate, great to see you as always. if i kept you going for a few minutes i would detect cues. >> you would get it.

>> kate baldoun at our security desk. checking some of the top stories right now on cnn. the health care reform battle is now being played out in the senate. at issue, fixes to the new health law demanded by democrats as their price for supporting the overhaul legislation. approval is expected at the end of the week thanks so fast track budget rules that allow passage with a simple majority. help is on the way for distressed homeowners with subprooim or adjustable rate mortgages. bank of america said they will make their payments more affordable. homeowners 60 days late and total more than 120% of their home's value can have their balances reduced over five years to a maximum of 30%. and heads up for with babies. more than 1 million baby slings are being recalled because the products have been linked to three infant deaths. the consumer product safety condition says they can suffocate in the soft fabric slings. parents are urged to immediately stop using the slings for babies

under 4 months of age when we come back, more about health care reform. this time we're going to talk about the i'm fact on young adults. we're going to talk to somebody from a university who says this could be very helpful to young people, but there might be some pitfalls.

okay. a lot of young americans and parents are breathing a big sigh of relief now that the health care reform bill is law, although we discussed that some things could stand in its way.

in six months, dependent children, that's key, you have to be dependent, up to the age of 26 will be allowed coverage on their parents' insurance policy. until now it was the age of 23. it's going to go up to the age of 26. this extends the current law which was removing young people when they graduate or they reach the age of 23. right now it isn't clear whether the parents or the companies are going to have to pay for the extended coverage. it assumes the kids are covered under the insurance you get from work. the importance is obvious when you consider that there are more than 13 million uninsured young adults in the united states. that's the nation's single largest group of uninsured people. another significant change but one with a caveat. also coming in to play in six months. a dependent who is 18 or younger will not be able to denied coverage because of a pre-existing condition. however, starting in 2 014 insurance companies will not be able to deny coverage to anyone with a pre-existing condition.

that's got nothing to do with being a student. joining us now from philadelphia to talk more about this is drexel university law and public health professor robert field. professor, thank you for joining us. >> my pleasure, ali. >> we've got a couple things we need to understand or clear up a little better. we know that the law is going to provide for students as long as they are dependents to stay on their parents' policies until the age of 26. but this isn't free. we don't quite know who is paying for it. >> that's right. but the fact is that they will have access to coverage under those policies. and that means they're not going to have to look for individual policies. >> right. >> which can be difficult and expensive in the private market. it's also likely they'll get better coverage under their parents' policies because employees offer better policies than the individual markets. >> as insurance prices rise, and one of the things that the health care reform bill doesn't express address is they pay more

insurance for dependent's coverage than they do for themselves. >> well, that's right. it's going to depend on the policy. but most companies make a contribution towards that coverage. so the important thing is, that they'll have access to the coverage. they're not going to have to worry about going to the private market, the private market, worrying about shady companies, worrying about limited coverage, but the cost is definitely going to be an issue. >> in many cases students who can't get the coverage easily just choose to go without coverage because it's cheaper and less complicated. listen, stay right there, i want to talk to you when we get back, how parents that have kids who are going to college or might be graduating think about this. and, by the way, dr. robert fields happens to be one of those parents. and he has personal insights into that.

hey, sometimes i have to catch myself and remember not to be so wonky, i've been talks a lot about health care and i can give you really interesting nuances but really we actually need to sit back and say what does it mean to me? i'm joined again by dr. robert fields, a professor from drexel university, and he knows a lot about public policy, which is exactly what the health care reform bill is about, but he knows about the other side, when kids leave college. put your parent hat on and tell me how the parents in my audience who either have kids going into college or in college or coming out of college, what they should be thinking about?

>> it's interesting, i follow this stuff for a living and i get into the wonky weeds of it and i delivered i need to deal with it as an individual and you see it at ground level very differently. i have two boys, 25 and 22, one of them just graduated from college and he gets thrown off our insurance. you know, congratulations, here's your diploma, you're now uninsured. so, we went through the private market to try to find him a policy, and what do you go on the website for each of the companies and then you try to figure out where in that website the individual policies are. and sometimes they really don't want to prothat, they'd rather sell to emploirls for understandable reasons and then you go to the different companies and it's like comparing apples and oranges. they have different lifetime caps and co-pays and deductibles and premium struck durs and finally you get the information and you get it from the companies and it takes a week to come and they are almost as thick as the health care bill itself and you finally figure that all out and you sign up for the coverage. and you go through a lengthy

application process and they ask about every health care encounter over the last five years and you worry if he misses something, a little detail here or there, maybe if he got sick they'd use as an excuse to rescind the policy. so, it's quite an involved process. >> now, when you take into account two things, one is the relatively invincibility of being young and the fact that young people don't typically think about their 401(k)s or their retirnt money or long-term health problems because you feel like a million bucks and the fact that you're moving into a slightly -- not slightly, a remarkably uncertain job market. >> that's right. >> the temptation after what you just described is to sort of say, you know, let's not deal with it now. you're fine for a few years or until you get your first job and your employer will cover you. what do you say to the fellow parents in this situation? sit worth go i is it worth going through the trouble? >> working in the field of health policy, i'm not going to let my kids go uninsured, we can't have that in my family and

i impressed on them how important it is. it's important because what's really the insurance here. even if it's not covering for the routine doctors' visits and the routine tests, the important thing is you be protected if heaven forbid something awful happens. that's what insurance is for. someone could be hit with a car or diagnosed with an awful disease and you're talking about several hundred thousand dollars in medical expenses. a child could have their financial future ruined before they get their first job and that's what i've impressed on them. i think it's very important. i think it's like having an auto policy if you're going to drive a car, a fire policy if you own a home. it's fundamental to whatever you do. >> you're talking about definitely the catastrophic stuff. >> that's right. >> if you want to strip it on the front end with the regular doctor visits at least bad things can ham when you least expect it, given what we know about where health care is right now, and there are a couple of challenging moments facing it including this court case i was talking about earlier, the

lawsuits, but would you say parents can breathe a sigh of relief now with their graduating students? >> i think they can breathe a half a sigh of relief. >> okay. their graduating student can some back on their policy, but, first, as you mentioned, it's not quite clear how that will be paid for. >> right. >> some companies may include it as if they were back dependent as children. some companies may require that they pay the whole increment without a company contribution. >> right. >> the other issue is once you turn 26, it's going to be happy birthday, you lose your insurance again. so, they're going to go back into the individual market again. >> and hopefully at that point, we don't know if that's the case, hopefully you're in a job where your employer offers health care at this point but that's not certain at this point either. >> employment base coverage will remain the same and if you find such a job, you'll be set. of course, with the economy as it is today, who knows. it's certainly not a sure thing, and more and more companies are dropping coverage particularly smaller companies.

if you can hang on to 2014, then you can go into one of these exchanges. and the key thing there is if you do have a preexisting condition they can't deny you coverage. >> professor robert fields, what an interesting conversation. thank you for sharing your knowledge both as a parent and a professional. he's a professor from drexel university. when i come back, this is something, boy, this gets me hot under the collar. what does secret sauce have to do with getting a loan or a job? , to a well-equipped buick lacrosse. get inside each. and see what you find. if perfection is what you pursue, this just might change your course. meet the new class of world class. the twenty-ten lacrosse, from buick. may the best car win. fancy feast appetizers. [dinner bell chimes]

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okay. i was talking about secret sauce? on the other side of the break, i was talking about your credit score, because i happen to think credit scores are like secret sauce. they're a snapshot of their creditworthiness, or that's what they're supposed to be. what i think they are is the source of a lot of confusion, but like any sort of secret sauce, you do actually have to have it involved in your life. there's so much confusion about it, there's a hearing about to get under way on capitol hill to discuss the very topic, what goes into a score. here are the basics, your fico score, is a numerical measure of your creditworthiness, it ranges from 300 to 850. there are, up settingly, a few different credit scoring systems available. the fico core created bay the fair isaac corporation is what most lenders look at when they check your credit, however, when you go to get one of those, the credit reporting agencies might actually steer you toward a different kind of score, but

guess what, the bank is not usually interested in that score. fico focuses on five categories when calculating your score, how much debt you have, your payment history, your debt utilization ratio, which is how much debt you're using versus how much is available. how much you owe, how far fact your credit history goes and your mix of various types of credit. sounds simple enough. the confusion comes in when you look at how certain factors affect your credit score like paying off accounts, closing lines of credit. to help us figure out exactly what is in the credit score secret sauce, scott screeden, he's from consumer credit counseling services from greater atlanta. been a good friend of ours over the years. thank you very much for being with us. it may not be as confusing to you as it is to me. let me be clear. i'm the chief business correspondent for this network. i generally understand this stuff. >> i understand. >> but this is more complicated than most mere mortals can get their head around. >> well, it is, and it probably shouldn't be. >> right. >> the fact of the matter is out of all of those things that you just mentioned, there's two

things that make up two-thirds of the fico score, the amount that you owe and your credit payment history. so, you really want to be paying attention to those two things. you want to be paying your bills on time. if at all possible, you want to pay more than the amount owed on the credit cards. you also don't want to be using more than 15% of your available credit if at all possible. >> okay. >> if you have three credit cards and you're using 80%, 85%, 90% of the limit, then your score is affected and it's low and it will hurt you. >> what are most people's scores? >> in the 710 to 712 range. >> that's not bad. >> it is. and you've got 35% to 40% of the population who is 750 and above. >> only 30%, are 800 and above? >> correct. >> i have had people come to me and it is lower than 800 and they can document to me they've never had issues with their credit. they've never used too much of it or had late payments.

it seems arbitrary to some people. >> what you need to do in that case is go to one of the three credit bureaus and get your credit report there and in each case online you can go dispute the credit report. each credit bureau will have a dispute button. you can click on that button and fill that information out and begin to dispute the information that is wrong. >> when you start the dispute, you will have a head of air like scott's and when you finish you'll have hair like mine. let's talk about where you need to be to get a morts agage to ga mortgage? >> the 760 level, it's a lot higher than it used to be. it used to be around a 680. >> yep. >> and i think around a 580 used to be able to get you a mortgage. now that's not the case. you want to really be looking at actually about a 640 will be what your -- >> just to qualify. just to get something and you're -- >> correct. >> you'll be paying a lot more for that. >> with the 760 the best rate and the 640 qualifying you. >> if i'm looking at 5%

conforming interest rate on a 30-year fixed, that's the rate, you have to be in the 760 range to get that. >> that's correct. >> there's some main line banks that won't look at you with something other than a 740. >> if you're married, they'll take your three scores and go with your middle score as the score that counts and then if your partner has a lower score, that's the one they're going to go with. so, you could even have a 760, as your middle score, but if your wife would have a 690, that's what they're going to go with. >> so, you marry your credit score. you're marrying your credit score. all right, scott, great to see you. there's a lot of questions we have for you, so hopefully you'll come back and we'll discuss this more with our fewers. scott screeden is with the consumer credit counseling service of atlanta, which, by the way, i use to get a lot of information, so you should think about that, too. it's a new hour and i've got new stuff on the rundown. the killer whale trainer's final violent moments caught on videotape. we know her death is tragic. we know the video is disturbing.

but here's the question -- should the videotape be released to the public? this topic is heating up my facebook page. if you want to add more comments to it, please go there now. we'll talk about it onair. should it be released? don't worry, i'm not releasing it, but i'm asking if you should. if you are black in america, you know things are tougher for uf wh you know it's tougher for to find a job. we have some solutions that could help not only african-americans but all americans. and two surveillance videos that exist in the seaworld trainer, one camera shows awn underwater shot of the attack after she was pulled under. the other is a tower camera that was turned toward the dine with shamu pool right after the attack. just to be perfectly clear, the video we're showing as part of the segment is not the surveillance video in question. the video we're showing is home video and pictures that were shot right before the trainer was pulled under. now, let's get back to this surveillance video discussion. attorneys for both the family

and seaworld argued in court today to keep the video sealed. dawn brancheau's husband, mother, and brother were also in court. the attorney foreign the orange county sheriff's office and the medical examiner's office and the local news organization would like to participate in mediation to hammer out the details of releasing the video. the attorney foreign the family, john mills, spoke to reporters about what is shown in the video itself. >> it is a depiction of a human being dying. and i believe that's probably illegal in some places. so, i don't think anybody wants to see that. and i don't think that it adds anything. >> that was a question. >> it doesn't add anything. what we know dawn brancheau died in a tragic accident. it doesn't add anything to that. >> does it explain at all how it happened initially? >> no. it does not. >> because that's why i think some people want to know how did it happen so it doesn't happen

again. >> it doesn't depict that at all. >> john mills, the attorney for dawn brancheau's family, is live on the phone with me now. john, thank you for joining us. what happened today in court? >> had a hearing on continuing the temporary injunction. the judge took no final action, so the temporary injunction is still in place. and probably what's important is all those parties agreed that universal display of this on the internet is a bad idea. >> john, obviously it's the other side's argument, but what is the instructive value, if any, of releasing this video? what is the argument in favor of releasing it? >> the only argument i could think of is if there was some conduct of public officer like the medical examiner in question, and there isn't. the -- what you do in these cases and what the judge asked to do is to weigh what is the benefit in terms of information to the public versus the intrusion on the family, and in this case, as i said, this is a

video of someone's death. and i can't imagine anything that would be more horrifying and more intrusive on the family. >> we understand dawn's family was in court today. her mother was very upset. how's the family doing? >> they're doing better. and the fact that there were some very reasonable people in the media who don't feel this should be universally displayed is very comforting. so, i think that there are positive signs here. >> john, do you always take the view that a video of this nature which shows somebody being killed has no place being -- being distributed? i know you say universal distribution on the internet, are you saying there are places that it can be selectively distributed if there is some value? >> there's a separate question if there's value. there are examples of cases where autopsy photographs would display misconduct of a medical

examiner, in other words, there was a case where a medical examiner said a prisoner died of an accident where, in fact, the photos show he was beaten. that should be public. so, there are instances where depictions are of great public value, and -- but this just isn't one of them. >> you have seen this, obviously? you have seen the video we're talking about? >> i have. >> and you say there's nothing there that can be of value. nothing we can learn from that video? >> there's nothing you can learn from the video other than what a tragic, horrible, traumatic attack it was. >> is there an argument to be made that you can learn something from the video which can instruct seaworld or other places or other trainers as to how to -- how to conduct themselves? >> i think seaworld and other places already have that, and the issue would be how would you prevent that? and this video itself doesn't

indicate or depict how the accident actually happened. so, how it actually started and happened will be part of the sheriff's report and separate evidence and would be important. >> okay. john mills, thank you for talking to us. john mills is the attorney for the family of dawn brancheau, joining us live on the phone. there have been several other cases where families have objected to videos and photos of their dead relatives being released. we'll talk about johnny versace, dale earnhardt after the break. woman down from nasal allergy attack.

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continuing our conversation about whether the surveillance video of the death of seaworld trainer dawn brancheau should be released to the public. there have been several other cases where the family objects to photos and videos being released. in the case of race car driver dale earnhardt the autopsy photos were not preleased after his fatal crash at the daytona 500. johnny versace was shot and killed in 1997, his family was able to keep the autopsy photos sealed and meredith emerson's family asked a florida judge to issue a release preventing the release of crime scene photos depicting her nude and dismembered body. i want to continue this conversation, i want to bring in kelly mcbride, she's a media ethics instructor from st. petersburg, florida, and a

former trainer for seaworld orlando, he helped train dawn brancheau and is joining us from orlando, florida, thank you for being with us. this is an emotional, tough conversation but there are valid points that we want to discuss. i'm going to start with you, kelly. tell me why there is value, in your view, in having these -- this video released? >> you know, i can't even talk about the value of the video as much as i can talk about the value of the right to see the video. because i agree that most likely it doesn't have the journalistic purpose. but it's part of the public record right now, and it's really hard to judge what the journalistic purpose is until you see it. and so we're in a really tough spot as a society now, because it used to be that only journalists would get to see this type of -- >> but you know exactly what will happen here. if it gets released, as john mills, the attorney said, it will be all over the place in minutes. >> right. i don't think that journalists

would inappropriately use the video, but i can guarantee you that somebody would, if it's released to the general public. but that said, it's still a very important part of our democracy that documents in a criminal investigation or in any type of death investigation are released to the public because that's how we hold our authorities accountab accountable. >> what's your view on this? >> well, my view is the opposite of that. i would never release that video. i think we have to have some respect for the family just like the attorney said. we have real human lives affected with this. and to release this video i think would be an atrocity for the family. >> now, thad, i take it you haven't seen the video, right? >> no, i have not seen the video. >> right. >> but i can tell you right now that there is nothing gained out of that video. seaworld and the authorities are going to do everything they can

to make sure this doesn't happen again and to make sure the safety precautions are in place in the future. the people that need to see the video have seen the video and will see the video in the future to help them make it safer for the trainers. >> kelly -- >> that's all that -- that's all that really needs to take place. >> we all sort of agree that somebody needs to see the video to determine whether or not there's anything in there that can be useful or instructive. but, kelly, your point is that unless it's released to the journalistic world, we don't know that the people who need to see it will see it. >> yeah. and i'm wondering if there's some sort of limited release that they could do. the way they do autopsy photos now, in some places is, they release them, but in a form that they can't be reproduced at all. so that people who want to inspect autopsy photos to hold death investigators accountable can do that, but they can't republish them on the internet

or in any other form. and i wonder if there's a way to release it but not allow to it be republished. >> thad, what do you think about that? because i get where you're coming from, you, out of respect for the family, and basically as a decent human being, don't, you know, see why we need to see gruesome pictures of somebody being killed, particularly if it's simply gratuitous. but how do we know that people who do need to see it, how can we just take someone's word for it, whether it be a lawyer or seaworld that the people who have seen it have seen it and nobody else needs to? >> it wasn't just the lawyer. it was the government saw it, the osha saw it, the safety committees have seen it. they're going to be outside representatives that see this video and that have investigated this whole thing, so it's not true that, you know, nobody's seen it. the people that need to see this will see it, and have seen this video, in my opinion. and they are going to bring in outside experts, outside of

seaworld. seaworld's already mentioned that they're going to be bringing in people to help them with this whole safety review, so it will be done, and to release this -- you know, you can say you could have limited access or whatever, but you know how that goes. it will be all over the internet in no time. i agree with the lawyer. this is something that does not have to happen. and we need to have, you know, i understand freedom of speech, freedom of press, but we need to have some -- some human quality in this freedom also. and that's what i think we need to have here. we need to respect the will of the family and respected will of dawn brancheau's husband. this would be detrimental to everybody. this would bring no good. and everybody's trying to do the right thing here. >> sure. >> i think that's what needs to happen. >> i think you're right there. i don't think anybody is trying to be exploitive, but it's not going to be the three of us who

are responsible for it getting out beyond where it should. kelly, do you know of examples of where it's happened, where there's been some sort of limited release that is governed electronically where somehow it can't be produce reproduced? because that can be an interesting discussion to have. >> you can always do it in the physical world. you can say this video is available, but you have to come in to the sheriff's department to watch it. that's one way. there is an argument to be made for public inspection. there was a 911 case here a couple years ago in florida where a woman had crashed her car into a canal, and the recording of the 911 was released to the media, and the media played it. and you heard this woman dying, but it wasn't until the public heard it that someone asked the question about the 911 operators and whether they were acting responsibly on the call. so it was only after the release

and after the crowd got involved in that, that people were held accountable, because it didn't occur to the dozens and dozens of people who had already heard it to ask that question. so, i do think that there's -- there's an argument to be made for public inspection, but i don't think publishing it on the internet is justified. >> the two of you, thank you very much. this is a difficult conversation. balancing the need for public scrutiny with human dignity, and i respect the way that you both have approached this for our viewers. and i thank you for that. kel ly mcbride, and thad lacina, the former head animal training at seaworld and helped train dawn brancheau, thank you, both of you, for the discussion to extend the dignity to dawn's family and addresses the needs we have. thank you. i'll tell you about something else we'll bring for you. in pennsylvania, former steelworker are getting a job in a brand new field.

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factory workers in pennsylvania are getting paychecks again because of clean energy, and old steel factories

are getting new life. now manufacturing parts for wind farms. here's joe johns on how this industry is "building up america." >> reporter: this used to be steel country usa, with its towering pollution machine. but now new jobs in the clean energy sector, putting people back to work, going green all at the same time. the u.s. subsidiary of a company based in spain is manufacturing enormous windmill blades at this pennsylvania plant, shipping them all over the u.s. ron sanders is the plant manager. how many of these do you guys make a week? >> we're moving back up to produce more at 11 blades per week. >> reporter: and at your slowest point during the recession, how many were you putting out? >> just five per week. >> reporter: sanders got a break from the recession by coming here to work. he used to work for an automotive supply plant that fell on hard times. >> well, i've been in automotive

for almost 30 years. as the industry declined, i found myself having to leave the employer that i was working for at the time. so, in december of '08, i left. and in june of 2009, i started here with gemesa. >> reporter: 230 people work at this plant, 24 hours a day, 5 days a week, and building just one of these blades is a huge job. it could weigh 15,000 pounds, 45 meters long. it takes almost 24 hours to build just one. and there are other people here who might have been out of work, but for the appearance of these green jobs. ed burnett had jobs at three different steel plants before it all dried up. he's grateful to be working here. so, what's better steel working or this? >> i don't want to say. >> reporter: you go where the work is, is that what you say? >> sure, you have a family, you have to feed your family. you do what you have to do. >> reporter: it took three

months to figure out the new job and even less time to see one of the upsides. >> most of the guys that work here like the idea of it being green. we like the idea that it's cleaning our environment up, and a lot of people here, you know, like that idea. >> reporter: creating green jobs is something the president talks a lot about, but to tell the truth, the u.s. lags behind western europe in windmill production and use. so, in the end, the real job may be standing up the windmill industry in the u.s. so it can create more jobs, more energy, and compete in the global market. joe johns, cnn, ebensburg, pennsylvania. well, it's one of the most dominant brands in america, and its costs dominated by employee health care. some coffee talk with the ceo of starbucks. [ male announcer ] hairstyles come... and hairstyles go. but, to get the most out of every style, you've got to have hair... hair that's full and thick. excess build-up on your scalp can leave your hair looking thin. new head & shoulders hair endurance for men

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a lot of you know starbucks, everybody knows starbucks, some of you spend a lot of time there. very interesting story when it comes to how starbucks provides health care for its workers. poppy harlow, anchor with cnnmoney.com, is on this story. popy, you talked to the ceo of starbucks, i was surprised to learn that they spend more on health care than they do on coffee beans. >> let's say it again, more on health care than coffee beans. for a coffee company that's unbelievable almost, but they spend, ali, $300 million a year on health insurance for their employees. why do they do that? well, they offer it even to their part-timers, it's estimated more than 40% of the employees there, we can't get the exact number, get this health insurance, butt you have to work three months and 20 hours a week. this costs the company, as i said, a lot of money. we sat down with the ceo, i'll show you howard schultz, and asked him, why do you focus on doing this even if it costs the

company a lot of money? to find out, you have go to back to his childhood to see why he has done it at starbucks. take a listen. >> i grew up in brooklyn in the housing projects, my parents were great working-class people, but soimt as we grew at the sam up, we realized we were not the privileged few. we were on the other side of the tracks. what i felt as a kid, and what stayed with me as i was trying to build starbucks is to ensure the fact that any insecurity or lack of respect that someone would feel as a result of where they came from should somehow be -- on how the company would treat its employees. and i just felt very strongly that we couldn't bring the company to where it -- where it needed to go if we did it on the backs of our people. >> thank you, mr. speaker.

>> you know, given the fact that we're in the middle of the health care debate, what i feel really proud of is that we didn't turn our back on our people. we kept the benefit. and it will cost us almost $300 million this year. >> reporter: what do you think, then, howard, when you look at the debate going in washington right now over health care for more americans? >> the fact that between 40 million and 50 million americans don't have health insurance, in my view, is the -- it's kind of the fracturing of humanity of our country. it doesn't feel right. there's no reason why we should be so far behind. >> reporter: you spoke with the president. >> and i have spoken with the president. that this is a runaway train and we're on the collision course with time if something doesn't happen. >> so, ali, you heard him say there he has spoke within president obama about this. that interview was just a few days before health care reform passed in the house. the question is now for businesses like starbucks and for small businesses, even as importantly, does it go far

enough. >> all right, poppy, that vnk for that great conversation. poppy harlow you can watch her on cnnmoney.com all the time. the national urban league is focused on getting the unemployed back to work. the latest on the state of black america coming up with these two guys who you will want to hear from. to a well-equipped buick lacrosse. get inside each. and see what you find. if perfection is what you pursue, this just might change your course. meet the new class of world class. the twenty-ten lacrosse, from buick. may the best car win. [ male announcer ] competition... it pushes us to work harder. to be better. to win. but sometimes even rivals realize they share a common goal. america's beverage companies have removed full-calorie soft drinks from schools,

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sorry, i just dropped my pen. in just a few minutes president obama is due to sign an executive order, hopefully he's got his pen, underscoring the

continued ban for federal funds for abortion. that was part of a deal that helped anti-abortion democrats sign on to the health care overhaul. each year the national urban league released the state of black america report, which takes a detailed look at the issues facing african-americans. this year the focus is on jobs and the lack of them. take a look at the unemployment numbers by race for last month. we are always a month behind when it comes to unemployment numbers. the national average is 9.7%, that's down from the high. but for blacks the rate of unemployment is 15.8%, for hispanics it's 12.4% and for whites it's 8.8%, so you can see the unemployment rate for blacks almost double that for whites. according to the state of black america report, blacks are 1.8 times more likely to be unemployed than whites, that's according to employment numbers in 2009. let's talk more about it with ryan mack, he's the president of optimum capital management and alfred edmund from blackenterprise.com. thank you for being with us. >> my pleasure.

>> thank you. >> the two of you and our audience know this, that the unemployment is higher for african-americans than for whites. it's always been the case except in this recession the spread has increased. but i don't think there's no one watching us doesn't know this. one thing i like talking to you guys about is we need solutions. if we can get to solutions, there's some takeaway for all of our viewers. so, i'm going to start with you, ryan. solutions to dealing with what is really becoming a crisis for african-americans, particularly for african-american men. >> well, we're talking about solutions. one of the solutions is additional funding for job creation, as was outlined in the bill or the proposal for the state of black america. however, another solution is making sure that individuals are being created and driven to these programs in our communities that actually put these individuals through training, through job creation. i'm on the board of an organization called rebuild, and over the past two years we've

assisted over 1,500 people get placed and 500 individuals retain those jobs for six months or more. most of them are formerly incarcerated and most of them are african-american. we do it with no funding but assisting people going to the local community centers and municipal organizations that provide these things and local community colleges that are providing free job training education, but it has to be a community effort. government funding only goes so far, it's up to the individual to take the stick and baton and carrying it further. >> you're a big believer in civil society, community organizations, almost nongovernmental sort of intervention to help people out in the communities in which they come from. alfred, i know that you are also a believer in community stuff. but what is the -- what is the silver bullet or a bronze bullet or any kind of bullet to solve this problem? >> well, there's no silver bullet. but i was very pleased that the urban league report recommended getting the small business administration to make finances

available to small businesses and urban communities, most likely to hire a black and latino and urban citizens who are suffering disproportionately from unemployment. there's no way around this employment problem or unemployment problem without stimulating hiring among small and midsized emerging businesses and communities. >> guys, stay right there. i want to establish a little bit more about what can be done, some solutions are, and what the national urban league is actually talking about in terms of their proposals that alfred just talked about. alfred edmond from blackintersurprise.com and ryan mack, on the other side. ntage... has gingko for memp$y and concentration. plus support for heart health. ( crowd roars ) that's a great call. one a day men's. [ male announcer ] the cadillac laurel sales event. featuring the acclaimed cts sports sedan. a car & driver 10best for the third year in a row. ♪

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all right. we're talking about the state of black america report with ryan mack, the president of optimum capital management, alfred edmond from blackenterprise.com. and, guys, while this is interesting to everybody in the country, because we all want to know about how to deal with these challenges, the challenge for african-americans is so great that perhaps the solution for african-americans can be used elsewhere. the national urban league is suggesting a two-year job creation plan, $168 billion spent over 2 years, and the creation of 3 million jobs. alfred was just touching on how some of those jobs might be created. ryan, let's go to you on this one. boy, if we knew how to create 3 million jobs, wednesday like to be not only applying that but multiplying it many times so we could get everybody back to work. >> definitely. i mean, the bottom line is that, you know, i like to focus on that almost 85% of

african-americans who are employed, and really start looking at those individuals to start -- to say what can we do as individuals who do have jobs to go out into the community to help other individuals, actually, in detroit, in the middle of april, about 50 of us, individuals who worked on wall street, who have jobs and want to go to detroit, as you know is very ravaged by unemployment, and we're going to be reaching out to young professionals and local schools with troubled teens and spending time networking trying to give our ideas and strategies. i teach financial literacy, working with other financial professionals teaching them how they can get out to the schools so they can teach financial literacy to the students and exposing them to different careers and different industries. again, it will have to come from the ground up, and i definitely think the government has a strong place in making sure the funding does try to get to the communities, but what if the funding doesn't come? that's why i want to get the community focused on. >> the government can do things to create the environment and create jobs, alfred, but the reality is where does the rubber meet the road? where do the programs match the

people and the responsibility that ryan talks about, the ability to get the training that ryan talks about? where -- how does it all connect? >> well, again, it goes back to execution on the ground. government can do short-term, booter shot-type of things by creating federal job programs. but the bottom line is sustained job creation you need a healthy, robust, local and national economy. black enterprise convened the largest gathering of black entrepreneurs in country in may in the black enterprise entrepreneurs conference, and the goal there is pull together the private sector and partner with larger corporate partners and how do you create business opportunities that will not only create jobs but also stimulate the economy to have a larger ripple effect. and that has to happen over the long run. the government can only do short-term solutions. >> you are looking at a screen that shows disparities between blacks and whites in america in terms of unemployment, the chance of being under the

poverty line. home ownership, look at it, for after scan americans, 47.4%, and look at the numbers. household computers under 50% for blacks, 64.6% for whites. both of the numbers actually shocked me. but you talk about financial literacy, it's literacy in general, you have the right tools to retrain and find out where the jobs are and access community resources and get out there and do something. >> remember, i was doing a workshop and we were working with some individuals who were formerly incarcerated and one of them held me behind the workshop and he pulled me into a room with a computer in it, and he asked me how to use it. he didn't know how to turn it on. it's the basic level of literacy of using computers, but after 20 minutes he was pretty much literate in the computer. so, it's the smallest thing that help individuals. and there's another stat that actually disturbed me.

5.2% of all businesses are black owned, but, again, we've only received about 1.1% of businesses. and, again, i do think that we have to have a lot of -- in terms of making sure our businesses are in a better position to be able to create them and receive the stimulus money. do we have the networks and relationships and the bonding capacity so we can start receiving the funding and operate effectively. >> always great that you guys can get down to brass tacks and find a solutions. great to have you with us, ryan mack, and alfred edmond with blackenterprise.com. great to see you guys, again. we'll keep working on it and come up with more solutions. thanks, guys. >> no doubt. when we come back, there he is, ed henry, senior white house correspondent. we'll check in with him to see what is going on at the white house with health care and anything else.

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sleep." you know, one of the things that is interesting when people tweet. if you follow ed henry at ed henry cnn or you follow me, ali velshi, you might get something interesting as to when we sleep. i don't know if you saw the application, ed, you can put anybody's name on twitter and it figures out when that person sleeps according to when they tweet. there's a large chunk of time between you tweet and when you sleep. you probably sleep between 12:00 and 6:00 a.m., midnight and 6:00 a.m., and i probably sleep between 11:00 and 5:00, but if i did sleep, those would be the hours i'd be in bed. >> reporter: it's pretty creepy, first of all, that they're tracking this. >> that is creepy. >> reporter: second of all, i don't want to know too much about your sleep. third of all, i have a source close to the ali velshi show telling me that it's not true that you sleep at all, that basically there's one case where you sent 26 e-mails between something like 11:00 p.m. and

5:00 a.m. 26 e-mails to your staff. i don't want to give away my source, but i'm told you sent these e-mails to your staff. i'm not sure the staff is correct, sir. >> i'm not a huge sleeper. between 11:00 p.m. and 6:00 a.m. is when i would be having my milk and my snuggie. >> reporter: ali, milk, cookies, we don't want to know. >> let's find out about what you're doing. 32 are some reporters behind you. >> reporter: in the stakeout behind me, photographers and reporters are waiting to see if anyone comes out of the meeting in the oval office where the president signed the executive order that was promised over the weekend to get the health care reform deal done, basically it restates federal policy that there cannot be federal funding for abortion. significant about this, number one, at the briefing today robert gibbs was basically saying the president doesn't believe it was really necessary. he doesn't believe it changes any kind of policy, because he does not believe the original health care bill funded -- you

know, would provide for federal funding for abortions, so some colleagues were pressing him, what's the point of this? the point really in the end was they wanted to bring along the conservative democrats who don't support abortion rights. even though the president doesn't believe it creates new policy, it's essentially kind of a worthless piece of paper in that sense, only because he wanted to get their votes. the other significant part of this, secondly, is the fact that it's close to media coverage, and it's something i pressed robert gibbs about. there's been an increasing number of events around here, like this one, significant national policy in which they close it to all media coverage. we don't have any cameras in there or video in there. and the president signs the executive order, it's important national business, would you think, and robert gibbs' response was the official white house photographer, pete sousa, will be providing coverage. in the u.s. -- >> we don't hand it over to the white house. >> reporter: -- payroll providing coverage. >> pete's i'm sure is a good guy. talking about good pictures -- >> reporter: yeah. >> -- when we come bark, we'll talk about the adorable kid,

marcelas owens who has remarkable taste talking about the health care debate.

all right. ed henry, senior white house correspondent, at the white house right now. ed, you spoke to marcelas owens, is that his name? >> reporter: that's right, he's from seattle. 11 years old. you saw him yesterday right next to the president of the united states when he was signing the bill. a young kid, really mature for his age.

he's got a very difficult story, as you know, his mother lost her job several years ago, then lost her health coverage, got sick and she died of pulmonary hypertension, so the president was saying this is sort of one of the people that he was signing the legislation for. i caught up with him, because after the signing, many hours later, he was called back to the white house for a private meeting with the president. i got to talk to him. just take a listen. >> i was thinking that my mom would have been proud and that her dreams would have come true today. >> reporter: so, you know, obviously we're trying to put a face on this story. who are some of the people that would be affected. his mother would have been someone who would have gotten this coverage, and, you know, obvio obviously it wouldn't have turned out the way it did. given the gravity of the situation and how it changed his life, i thought it was remarkable how poised he was. you talk about the satorial stuff, because we talk about neckties on this program, yesterday the president called out that he was wearing --

marcelas was wearing the same tie as the president was and he was wearing the vest. i was showing you a picture, ali, that you wear the vest well sort of like ali velshi of cnn and hoine's got this thing. and i'm sorry to tell you, he didn't know who you were. this is why you're behind me on the twitter account, the young people of america who do twitter, people like marcelas don't know who you are. you have to work on it. >> i have to attach myself to you. >> reporter: he said he loves "the ed henry segment." >> he didn't know who the bald guy was who talks to you every da day on it. good to see you, ed henry, correspondent and pop culture maven. when we come back, we've been getting a lot of your comments on facebook about whether or not the video that was taken after dawn brancheau was killed by that killer whale should be released to the public. i've got some thoughts. [ crowd cheering ]

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a car & driver 10best for the third year in a row. ♪ with a direct injection v6 engine. see your cadillac dealer soon, because while there is no expiration date on achievement, on rewarding it, there is. for qualified current lessees, the cts luxury collection. ♪ time now for "the xyz of it." this morning a florida court heard the emotional debate over whether to release a video showing a seaworld trainer being killed by a killer whale. the family and seaworld want the video of dawn brancheau's death kept sealed for obvious reasons. no one wants to see the death of a loved one plastered across the world. some news organizations want the video made public so they can investigate, seaworld and other government agencies involved in the case. there's a very real struggle here. if