efforts. that's why we developed working closely with the treasury and two earlier versions of the advisory council. the national financial capability study, which has been mentioned a couple times today. each study has surveyed more than 25 million adults allowing us to fine tune our analysis. that includes millennials. the report that we summarize and made available today demonstrates the particularly lower income households and dependents but really cross the board, millennial face special challenges from the standpoint of financial capability. in the midst of their education or just on the other side, they face the great recession and

tremendous challenges from both being able to find jobs and to work through issues in that environment. the data demonstrates things that are not surprising. it demonstrates a persons that are way too much depending on nonbank lending while they had more access to earlier generation through some form of financial capability instruction. their absorption of that is not demonstrated from a testing standpoint. their exposure as they move through an environment where those that have moved forward, even those that have moved forward are way more burden by student loans both in percentage and sign. all of that demonstrates what a point that has been made across the board. we need to move financial

capability, education and communication away from accidental interactions to an environment where it's focused and concentrated and very much looking to evaluate and identify what works. it's a pleasure to be involved in this advisory committee particularly with a strong focus on financial capability for youth. >> hi. i'm beth i'm a financial journalist. i wanted to start with two really fast stories about one about my middle son who is about five or six years old at the time. we were putting him to bed and he looked at me and he said mommy i have a question to you. oh, what's the meaning of life. like, how do i get compound entrust. my kid when you hear your mom talk about personal finance all the time.

back to my childhood, my parents were both born in 1929 deep into the depression. when my dad became a teacher, he was offered to put half his hard into the 402b. that's probably why i decided to spend my life talking to young people about these issues, these personal finance issues that are so important. i think today, we have a unique opportunity and obligation on this council to offer the president concrete oriented recommendations. in june the first result of the pisa international of 15-year-olds will be released. i fear america's scores maybe disappointingly low and signal

that we have work cut out. i was fortunate enough to serve on the council under john rogers amazing leadership. on the council, we created an online interactive tool called money as you grow.com. we came up with 20 essential things parents need to teach kids from age 3 to 23. we had no marketing or pr budget. the site had more than 1 million visits since its launch at the white house. the effort went viral. thanks mostly to mom passing around on social media. it was pinterest and facebook. i was think being the fact, it's one thing to see a cat riding ice skates and have that go viral. when it comes to personal

finance, anyone talked about it knows it's news when it impose viral. clearly money as you grows, struck a chord. it's offering evidence that families are hungry for this information. for the council, i have two specific issues i think we can tackle. first for teens, college grads have a much higher lifetime earning potential than people who don't go to college. one way to increase enrollment is to get more families to fell out the fafsa. more than one million high school seniors don't. that means millions of dollars in pell grants are left on the table. one recent study found when when they fill out fafsa, they not only get financial aid, we see a 20% increase in college enrollment. let's bring together partners to

create a fafsa core to teach families to fill out the fafsa. let's offer college incentives to use work study dollars to train college students to help. the president launched terrific financial aid tool kit for high school counselors. let's make sure high school counselors know about it. let's support the efforts of the first lady and arne duncan who has been the champion on financial literacy in this country as well as the fafsa form. he's been talking to high school students about this with the first lady. let's work to make february the fafsa month and get financial partners to sponsor psa's and accounting firms to help.

let's get financial literacy content into the universal pre-k efforts by bringing together educators, and gaming experts. even banks seem to be willing partners. in 2012, pnc bank teamed up with sesame street to create a initiative. it's worth noting that the most visited section of money as you grow.org buy far is the 1 to 5-year-old. right now there's a lot going on in the financial literacy world.

flak is zeroing in on youth and reinvigorated way. cfpb is shedding light for college. we need to support all of these efforts. i'm truly humbled to be part of this amazing council with some of the older members and amazing new members. thank you for listening. >> i'm the treasury of the city and county of san francisco. i'm honored to serve as vice chair of this council and join all the other members in working on this important topic. in san francisco, we set an aggressive agenda from municipal work in the area of financial empty empowerment. we have one of the finest offices of financial empowerment in the country.

we get to work with establish san francisco as a recognized leader in the field. many of you i know are familiar with our bank on san francisco program. seven years ago we launched the bank on program to respond to the need to access to healthy and affordable financial products for our under served residents. today almost a hundred cities and states across the country have created their own bank on program in their communities to begin to take a serious look at the role, local and state governments can play in building the financial security of our most vulnerable constituents. since then we've launched a range of programs and services focused on four key areas. first increasing access to safe and affordable products. also delivering effective financial education and counseling. also helping families save and build assets and finally providing protection to consumers in the financial marketplace.

when we under take all of these efforts, we focused on leveraging the unique powers of local government to convene the stakeholders involved. using local government to integrate financial empowerment initiatives right into the services we provide to the residents of our cities everyday. in 2011, we started the kindergarten to college program. san francisco is the only city in the country that automatically enrolls every entering kindergarten in our public schools into a college savings account program from the first day of school. we created k to c because we believe that every child should start off in the financial mainstream, not shut out. every family should have the opportunity to save for their dreams. we are pleased to have secretary duncan and chair rogers to join

us for a working discussion of our program last year. we were out front and open about it because launching kindergarten to college wasn't easy. we faced many obstacles particularly in finding the right account structure to automatically open thousands of accounts for 5-year-olds as well as securing public dollars to put fee deposits into these accounts and private funds to provide matching funds to families. however, our efforts are starting to pay off. today, more than 13,000 kindergarteners through fourth graders in san francisco have kindergarten to college savings accounts. more than 1500 families has started saving and so far these family have saved more than $550,000 of their own family money for their children's education. that means our savings participation rate is about 12% a number that is four times

higher than the percentage of families saving in traditional college saves accounts across the u.s. even more remarkable, most of our savers are low income families. for example, gordon jay elementary school, 86% students there are enrolled in the national school lunch program. at that school today, more than 20% of the families are successfully saving for their kids college education. i would like to work where all of you with a federal agencies here and all of the partners to make sure the programs like kindergarten to college are available in more cities across the country. k to c is more than just a college savings program, it ties financial education to real life savingses account. it creates a culture of savings by being universally available and it builds aspirations that college and could be a reality for every child in our country.

i'm excited to work with all of you to develop recommendations and initiatives that go well beyond bringing financial education in the classroom. we need better products in the market to support young americans and their families in saving and building financial security. this includes transactional products as well as savings accounts. we need to provide better financial education at all stages and lifecycles including in the classroom. when young people transition to college and ultimately to the workforce. we need to ensure our students can finance their educations without drowning in debt when they graduate. finally, we need to focus on intergenerational approaches, financial capability is a family affair. we cannot ignore the impact of financially insecure home life has on our young people. i like to thank the president performing this council and allowing me to work with all of you to make this a reality.

thank you very much. >> thank you. good morning everybody. i come to this council from facebook where my day job is focused on helping companies leverage their platforms to market to consumers. the more important stuff that i might bring to this endeavor is focused on the work i do outside of work which has been in and around the passion project for me which is charter schools. i had the privilege to open one in brooklyn. it opened doors in 2000 and did it again in atlanta. both kindergarten through eighth grade schools both doing extremely well and making a big difference in the communities they serve in most of those

locations. i bring a passion really focused on empowering young people and young families because i think this is a family endeavor into having the tools to be able to be successful in this world. why i'm honored to be a part of this council, it allows me to bring the expertise of my day job and tie it directly to my passion projects outside of work and bring those together in a unique way. i certainly think that there is no road to success on this path. i think somebody mentioned on the leveraging of technology and innovation should be a part of this. i hope my experience are in those areas can be leveraged in that way.

i love to see tackle those with the understanding that leveraging technology innovation, digital, social as both a communications mechanism and also an empowering mechanism can be a big part how we do this. i love to see that happen earlier in kids education and integrating this into school programs and curriculums is also a passion for me. we've done some work in our charter schools. i love to see that part of the charter that we activate.

i'm humbled by the breadth and depth of this experience everybody brings. i look forward to get into the hard work. >> thank you very much. good morning. i'm mark i'm the president of the national urban league. let me certainly thank john rogers, arne duncan, jack lew and president obama. i will tell a little story because it makes a point. this is a true story by a well known activist and social critic who shared a story with a group of us. he said that he was all of a sudden feeling very ill. headaches, backaches, hypoventilation, knee aches.

all sorts of health challenges. the first time in his life. as a vegetarian and naturalist, he drank beet juice and carrot juice and kale juice and did all sorts of wholistic things. tried out acupuncture. none of it did a thing. he broke down and said, maybe i need to go to the traditional doctor. he went to the doctor and he was prescribed all sorts of pill and medications and injections and bedrest. none of it worked. all of a sudden, he had a conversation with a friend of his and his friend said, he said, dick, why don't i just pay off all your debts. he says, once his debts were paid off, miraculously the headache went away, the back

ache went away. his problems went away. the lesson is that debt and poor financial decision-making can be disabling to families to individuals in ways that many of us may not be able to imagine. i just want to make a few quicks point. we at the national urban league have been in the business of financial literacy, financial education, financial capability, i intend to like the term to financial empowerment for a long time. we've been on this journey because we're a due tank. we provide direct services to over two million people each year. in the work we're doing now, we're trying to integrate, if you will, financial education and empowerment into our after school programs, into our job training programs, into our entrepreneurship programs because of the thought that financial decision-making in tht

century have to be a part of every single thing that we do. i'm struck at the financial decisions that very young people make everyday. young people have these devices. it's a beautiful thing. it is not free. with the device, you have the opportunity to make further financial decision-making by downloading games, by paying for apps, turn on the television at home, go to the on demand channel and there is another opportunity for young people to make financial decisions. young people today are making financial decisions at an earlier age be it because of those phones are tied usually to a parent or a grandparent's credit card.

they're making financial decisions not only for themselves but also for you. this decision have to be seen in this issue in today's context. not in the context in which we all grew up, a generation or two or three or so ago. but in today's world, the very real decisions, the very real financial decision that young people are making at an earlier age. here's what i think an opportunity is. there's a discussion around common core state standards. we're intimately involved in that. that creates an opportunity to integrate, if you will, financial education not as an extra. not as something that's ancillary something that is intimately involved how we teaches course like math. how we help apply the principles

they're learning in school for real decision-making. there's a further opportunity here. director cordray and his work at the new agency, creates this whole new world of conversation about consumer empowerment, consumer protection, consumer information. what i think we have to do as a commission, we have limited time, the clock is indeed running. what we don't want to do is reinvent the wheel. i had an opportunity like several of you to serve on previous commission that made a whole set of important recommendations that i hope provides a starting point for what we do. the second thing i think we want to do is keep it real. create a set of steps, action steps that can be actualized at the local level by those

institutions, nonprofit, schools, for profits, regulators etcetera. who really truly understand the value of impacting this. thirdly, we need to hear from some young people. in this process, i don't know if that says we ought to do a field hearing. we need to hear from the young people themselves. high schoolers, college students, get their perspective. not anecdotally. not through hear say but some sort of direct engagement. i think it will be elluminating, it will educate us and empower us. i also think we will find young people know more than we think they know. i think we'd find there's a great energy and thirst for being better educated and better informed about our economic system and the world they live in. those are recommendations. i'm proud to be a part of the

commission. >> i'm the ceo of the guardian life insurance company of america. based in new york city. i'm honored to be a part of this commission and thank you for inviting me, i'm new to the council. i'm very excited about working on one of the most important and compelling issues that i think we face for the next generation of americans and also some people have pointed out this morning for our democracy. guardian is a mutual life insurer. we are owned by our policy holders. we were founded in 1860. we just finished our 153rd year as a financial institution. being owned by our policy holders, we return about 70% of their profits to our policy holders every year in the form

of dividends. our mission part of our charter is to provide financial security for as many people as possible individuals, small businesses and families. part of our mission as a mutual company is also to be of service in our community. in terms of the financial literacy council and what i'm hoping and guardian is hoping to accomplish here, we are fortune 250 company, we are a financial institution and we believe that large corporations and financial institutions can be a force for good in society and can definitely contribute to this effort. like everyone else in this room, we have observed the challenges of americans not only in managing their money on a daily basis but in preparing for retirement. many americans particularly middle income and lower income americans are hopelessly

underinsured. meaning their families are unprotected in the case of an early death or disability of the main breadwinner of the family. that's one of the issues we work on on a daily basis. as we've been working on the issues over the past three years that i've been ceo, we have been trying to figure out how we can contribute to making people more aware of their needs and obligations in terms of providing for their families. we've also decided that we needed to channel our corporate giving fill drop i -- we have engaged some experts in helping us doing that. there are many experts in the room i'm sure we can learn more from you going forward. we look forward to that.

one of the things that we have noticed and part of what i would hope this council might be able to address and accomplish in working with community college students, it's not just the education. the curriculum we use and we've looked at many different curricula are very similar. the basics of what to do and even how to do it are familiar and are easily taught. one of the issue and challenges that our student have faced is all of the surround sound of their life. if they can't get to class. if they have an emergency. if they don't know how to open a bank account. if people at home are threatened by the fact they are suddenly becoming financially capable, how do they move forward and achieve their goals. we are looking into how to provide more mentorship opportunities and our employees and even some of our clients have volunteered to be mentors to the students where we're

providing this financial literacy education. we believe that mentorship combined with education is the way to make this real and actionable. we very much hope to gain ideas from this council. we definitely want to contribute our expertise and collaborate. the idea of this council in terms of making financial education and literacy more real and to implement going forward. i'm very honored to be a part of it. there's so much expertise in this room. it's very heartening to see and i look forward to working with all of you to make the recommendations to this council. thank you. >> good morning. my name is carol. i'm the president of davidson college. davidson recruits talented kids from all background and educate

them for leadership service and disproportionate impact. at davidson w we work to make equal opportunity real when we consider candidates for admission, we do so irrespective of their ability to play. i'm privileged to be a part of this group. i see myself as a bridge higher education. i would talk about roles that i hope to play on this council and kinds of education that i hope i can inspire. first, i hope i can take the creative energy of this council back to the higher ed sector and inspire conversations in different parts of that sector about how we can ensure that all of our students continue the education and financial literacy and financial capability that they should be begin as toddlers.

second, i hope that we can convene conversations with partner through shared davidson commitment to access to make sure talented kids how to get to college and how to pie for college and why college is worth it and chart a meaningful course for themselves through a institution. ...

>> we need to make sure our curriculum the student centered and from the moment they arrive, they grapple with questions to which no one knows the answer so they are prepared to create their own jobs or be entrepreneurs. or in an economy where the job they hold may not exist. the education we offer, students develop the talents and capacities that they need to plan for themselves a meaningful life of financial independence and baton of me. this requires thinking about what we do in a foundational way.

the many different sectors of higher education. finally, we really need to convene conversations about our institutional role at this moment. role of davison as an institution for promoting and al workforce? we need to take much more responsibility for building strong and wide bridges for k-12 and building bridges to the employers that kids will see. can rethink our societal role for the resttion of the higher education sector for the conversations that take place. i can't tell you what a privilege it is to be here and i

am sure i will earn more than i contribute and i thank you very much for your time. >> i am in the rosen. i would like to welcome our new members and say that i believe the white house has really done an excellent job adding assets to this group and i am truly optimistic that our work will be impactful. and i applaud the team for bringing to the table not only our friends from treasury but the secretary of education, both great champions of this cause. we will be stronger and certainly much smarter than being here is partners. i spent the last decade or so dedicated to those to even the playing field and public schools

all have an opportunity for high-quality education. in newark where educators were proving what was possible. i run a global ngo called the network for teaching entrepreneurship. and economically challenged toghborhoods, to teach them be able to plan for successful futures, find, and created job. it is the reason young people in america gets cool. we can create an entrepreneurial mindset which will hopefully

become easy to use measurement tols and advise others invest in this work as well. those of you that have been hanging around me the last few years, we have an opportunity through the adoption of the common core by 48 states. , a completely reimagined sat test. directly into everyday classes. my dream is that this work will become part of the everyday math ending this classes. objections to those that believe that some are truly outstanding and need to continue to do this work. dependent on what the code they happen to be in. thatarned the hard way

chances are it will not be consistently taught. , certainly will back up the notion that is hit and miss nature of this work is not enough. we have proven that teachers and can respondrs alike and adopt an online. this council can move quickly to take that work to the next level. given the gravity of the issue and the incredible opportunity that technology offers, there is an opportunity for new kinds of tools and a direct to consumer play with the introduction of

real-life decisions for millions of young people to engage. the ability to spark the interest of developers , investors, and industry leaders. i have spent much of this last and theng a dive employment challenges that will be facing people in the next 25 years. and with our youth employment numbers closing in on 20%, it's always three times as hard for a young american to get a job as an older adult. this gets considerably younger, another 2 billion young people with influxes from india and china. there is a direct correlation between those that have we did a knowledge

, they stayedalumni in school longer, employed at a they earn more than their peers. making sure that they can make well-informed decisions by the time they are 17 and faced with these choices. a huge difference for millions of americans. i am grateful to president obama for using the bully pulpit and .is personal time

>> i am one of the new members from the private sector. i hope and think we can contribute to this very important effort. shouldn'teducation and cannot be something which is reserved for the few. you listen to what we hear as we talk about people away from this room. luck should not determine if you're capable of making financial decisions. whichthose decisions ultimately are a means to broader success. spending, bank accounts, payment cards including prepaid cards and investing are all core concepts. and all need to understand these. some are complicated and understandable.

thiswork hard to make sure is the case and something we are totally supportive as well. when you look at what has happened over the last five years, there is a demonstrated need to move the education process forward. proactively helping people be successful needs to be foundational in this country. as a global leader in electronic payment, he said is committed. we invest in technologies that increase financial inclusion and enable greater financial responsibility. business and our philanthropic efforts towards us. our flagship financial literacy initiative, practical money skills for life is a free program to help parents, teachers, students, and consumers learn personal financial management.

the set has been a leader in andloping innovative public private partnerships with governments, schools, and nongovernmental organizations to and helpree programs learn the fundamentals of budgeting, saving, responsible spending, and the wise use of credit. more than 30 million people have been reached to these education programs which are game based, and have extraordinary engagement and just work. we've partnered with 42 state governments, to every middle and high school in each state. we have seen that financial education works in public private partnerships. fueling and sustainable economic growth is the core of what we do every day and it is why championing greater financial stability is in our dna.

stability is achieved when there is a consequence and we know that this can be tossed. we have been helping parents and teachers bring personal and financial education to millions of young americans. >> good morning. thank you, chairman rogers. i like to thank president obama and his staff for the opportunity to be here with you all. it is the largest development organization for girls in the world. we have been doing that for 102 years. i think this morning is really .mportant

more important now than ever. scouts has the girl known the importance of facilitating these issues for over a century. would like to do is bring the voice of the youth to this table. i am very aware that the average age of my boss is eight years old. very focused in ensuring that i understand with the skills that fromhave every day come the adults that surround them. our organization is powered by volunteers. lives tocate their teach these amazing girls that their voice matters. girls are not our problem to be solved but an investment to be made. i would like to share that we

have done a lot of research. we recently did a report. both girl scouts and non-girl scouts. competent -- very confident and optimistic. their current knowledge is not very high. they know that money is important but they don't know the financial principles and instruments to use like credit cards. only 12% of girls surveyed say that they feel confident making financial decisions. that when girls have that opportunity, they invest in incredible ways. they raise $800 million in one

quarter of the year. it is all run by them. they are investing back in their local community. they are funding animal shelters, senior centers, local public parks. it is really important to give back. got $28 out of me last week. >> i appreciate that. say the workke to of this counsel is important because we have to connect the fact that girls and young men want to invest but they need the tools to do so. i really want a counsel to identify developed strategies for youth in this country. thato think it's important we service people around this conversation. hundreds of nonprofits working with youth every day.

how do we scale the ideas that come out of this counsel so that they are focused and moving in the same direction? important that we have the voice of the youth at the table today. i see that when adults get around the table and create solutions, there is a disconnect. i think that we need to go out and get the voice of the consumer, the youth to really figure out what they want to be partners in. allowing girls to have a voice at this table. i will do my best to reassure that we bring data from our own research institute and also to serve around these important issues in this country. >> i would like to thank everyone for their remarks.

there is so much passion and so many consistent values. >> we are committed to honoring our time with you. which means instead of giving you a readout, i don't think we have time to do it. what i am going to do, highlight a set of themes that i think many of them we heard from the councilmembers today that can help to begin to set what will be the agenda for this counsel moving forward. feedback fromow you all around this table. we will open up for a small number of comments and we will

be ready to close it out. some of the themes that were themes that came out of the , specifically identified in the remarks of this new counsel include action steps, priorities. to obtainore children high-quality education to their schooling. recommend being at >> with skill sets in terms of decision-making that have real bearing for the choices they will be making. another thing that i think we engaging the model for

building the financial capability of young people. another thing is championing readiness for college. both about where we decide to go for school, how we pay for that education, and how we will manage that when they come out. another theme is the importance of leveraging technology as well as innovation and giving young adults access to safe and affordable financial products and services. to manage their budgets and begin taking it vantage of career opportunities that put them on a sure path to financial security.

before i turn it over to valerie, i want to open it up to the council and see if you feel like we have captured the priorities. don't be shy. >> you have financial classifications on the list. one of the things mark brought up is the idea of following through on the last counsel. we are not starting from scratch and it is an important point to reemphasize. >> we want to capture this connection with common core standards. it is a game changer.

of this comment over here that suggested that -- i thinkducation it does not fit outside of the specialty collective kind of concept to be really fully integrated. the other thing i would add is unleashing the power of the ngo nonprofit community. so many of us come from the community and are intimately involved in the delivery of financial education. >> if i can add on to that, adding to the common core integration is the opportunity that is now being reimagined and

i think the leadership of the .ollege board took us a while to come to the common core realization, the window is shutting in the sense that a lot of innovation is happening now. on one hand it's late, and on the other hand, it is an opportunity to really promote what is working well. we never really figured out how best to leverage that opportunity. i am particularly thankful for the white house. >> the thing i wanted to add was pre-k.

those little brains can understand. >> i am excited about bringing cities and local governments into this work. we have a number of cities geared up and engaged, not the are culturalh empowerment. opportunities, summer youth opportunities. growing in terms of ways that can create financial education. >> private sector organizations and companies, a private sector is hungry to learn more about

how to best supply their philanthropic dollars with this topic. i am grateful for the opportunity to be part of that. >> valerie doesn't need any introduction but i knew valerie my whole life. i got to know her really well. her mom is extraordinarily pioneering in early childhood education.

and also, an extraordinary amount of real estate. it was on the executive committee of the university of chicago. and the opportunities for young people to go to the college of their choice and the able to afford it. it brings a lot of expertise and experience. she was a leader and all of the issues of economic development and how to build strong communities and diverse communities throughout our urban areas throughout chicago and doing similar work. we know that she helps guide the president on all kinds of issues passion for special

issues facing the types of challenges. >> on behalf of the president, i want to thank you for your service. it is something the president cares passionately about and the experience that the president had. -- makingit is part

sure that they have the advantages that he had when he was young. this is a year of action. he will use everything in his canr to make sure that we ensure that everyone in our country has an equal opportunity to achieve their dreams. sure committed to making that your future doesn't get determined by the zip code in which you were born. you will see a series of where over 80 showed up. targeting disadvantaged young people and trying to attract them. on the higher end.

we have to make sure that from have at theirthey fingertips, what they will need in order to be responsible adults. i know they talked about the new initiative that they called my brother's keeper. color to not get left behind and compete. what is so important now is that all of our young people grow up and have the skills that they need to not only manage their personal finances but the good citizens and give back to the community. the work they are going to do here is vitally important. there is a moment where we have this opportunity and we should ite full advantage of it.

doesn't require congress and it doesn't mean we won't pursue legislation, if there is so much that we can do just with those of you in this room and the constituencies that you work with to help our young people become financially capable and yourate. i thank you for service and everyone that showed up to participate. it is great that we have an enthusiastic group of folks committed to making sure every child gets a second chance. [applause] >> thank you very much. i know there are individuals that receive confirmation numbers. >> we could propose that in the interest of time, people submit their comments via e-mail.

, and is an e-mail box appreciate everyone that asked to participate. pacfcya@treasury.gov. forward to getting your comments and we will close. >> thank you for being so attentive. it is great to be on time. i think all the panel members and councilmembers. we look forward to seeing you in the summer. meeting adjourned. [captions copyright national cable satellite corp. 2014]

[captioning performed by national captioning institute] secretary jay carney spoke with reporters on tonight overted all-night session climate change issues. here is more. summit -- senate democrats have had all miters to talk about support. an important issue, is there some expectation by the president that at the end of the talk, there will be some sort of action on climate change this year? >> we absolutely support the action taken to focus attention bythe challenges posted climate change and the impact on our change is having

ability to respond to emergencies. we commend those that are participating because it is a very important subject. the president is concerned about it. we can reduce carbon emissions and we are more prepared. it is a byproduct of the climate change we have seen. of today's a portion white house briefing. you can see the entire briefing later today or anytime online at www.c-span.org. senatelook at the u.s.

where members are just about to begin a procedural vote on the nomination of carolyn mccue to be the circuit judge. they will next take a final vote on legislation sponsored by claire mccaskill. votes, they will take part in the all-night session to urge action on climate change. hear firstcted to from majority leader harry reid and we will bring live coverage of the u.s. senate on c-span2. tonight, remarks from pennsylvania senator bob casey on the u.s.'s role in afghanistan and the upcoming elections in that country. he currently serves as chairman on central asian affairs and spoke earlier today at an event hosted by the center for american progress. see his comments tonight at 8:00 p.m. eastern.

>> on this historic day, they open proceedings on the first time to televised coverage. , mr.ision will change speaker. but the good will far outweigh the bad. >> a response of american heroism at its finest. they dive into the water and dragged her to safety. >> my personal opinion is this. >> challenge these people and challenge their americanism.

>> we are on the brink of adapting and independence bill. they will henceforth look to as the independence day for those that have been disabled. >> my distinguished republican colleague, will the gentleman please take the chair? [applause] >> first, mr. speaker, thank you for the opportunity to wield this gavel and sit in the chair.

it was something to behold. >> george w. bush of the state of texas has received 271 votes. the new vice president, god bless the united states of america. >> you have supported us with your resources. and your leadership in the world community.

and the precious lives of your soldiers. >> it is now my privilege to present the gavel of the united states house of representatives of the first woman speaker in our history. the gentlelady from california, nancy pelosi. >> it was dr. martin luther king jr. that said, of all forms of inequality, injustice in health care is the most shocking and inhumane. >> this racial profiling has to stop, mr. speaker. just because someone wears a hoodie does not make them a good loan -- hoodlum.

>> next, a discussion on u.s. jobs and congressional plans for antipoverty programs. this is 45 minutes. >> joining us now is nancy cook, and economic correspondent for national journal. thank for being with us this morning. i want to talk about the friday jobs report. 175,000 jobs added. breakdown the report. >> it was better than what we have seen in the last few months. is a respectable amount to be added. there were some great jobs added in professional business services.

the economic recovery is still really slow. 3.8 million people that have been unemployed for six months or more. there's still really high unemployment rate. there are still a lot of people being left behind and that is what the jobs report continued to show. the long-termed is going up. what is the impact of that? >> there are close to 4 million people that have been out of work for six months or more. for people to reenter the workforce after that and it means that economically, it has a huge impact because those people aren't working and are not paying taxes as high as they normally would and it means they are not contributing to the economy in a productive way. will take a look at information from the jobs report. professional and business services at a 79,000.

manufacturing sector added 6000. the federal government dropped by 6000. what do you see in those numbers? guest: those numbers are pretty good this month. special government employment has been dropping over the past year. as you have seen federal spending going down, the fact that jobs of an added is a great thing. those tend to be higher wage jobs. what you have seen over the last five years is a lot of the jobs being added are in lower paying sectors like retail or hospitality, tourism. those are more hourly wages. they are not salaried, they are not high enough to support a family. that is a problem over the long run. host: join in our conversation. the numbers are on your screen. you can also find us on twitter. where is that debate on uninsured -- an unemployed

workers now? guest: it is a great political talking point. it really puts republicans on the defensive and makes them look like a party that is not paying attention to this problem. democrats will continue to push it. there is really not a huge area of compromise their right now. those benefits expired on december 28 or around then at the beginning of the new year. it just means that there are a lot of people who stopped receiving those benefits and will continue to stop receiving them this year. host: will we see new people on that list? guest: yes. if you lost your job four months ago, you're not going to get as generous benefits. those benefits will get cut off. host: talk about income tax

credits and how president obama has opposed expanding that. guest: this is an interesting area and a place of compromise. the earned income tax credit is basically a refund that goes to people. you have to be working, it goes to a lot of families. what president obama talked about was expanding it for people who do not have children, people who do not have children can receive the benefit now, but they really only receive about $500, whereas a family will receive an average of about $3000 a year. by expanding it, just means that these childless workers will be able to get a more tennis benefit. it is really an acknowledgment that a lot of working people who have low-wage jobs, the economy is not working for them.

this will give them a boost to those low wages. host: we're going to throw up a couple bullet points about that. let's take our first call in this segment. he is in the flow, new york on our line for democrats. >> i am unemployed, but not by choice. media,look at my social things made of several billion dollars for people. they are not offering one opportunity in return. in closing, our president himself and his committee.

i think you should make a correction to your comment because people are tired and people like you are honest. guest: i am so sorry to hear you are unemployed. i think it is a terrible situation. i wasn't meaning to imply that people aren't trying to find jobs. a lot of people are sending out dozens of resumes all the time. there've not been able to find work are depicted as a problem that the parties are really trying to work on. they're going to need to work it on before the economy and get back to its full health. host: our next caller is ellen in saint augustine, florida on the line for independents. caller: i think it is government regulations and government overreach. there is no incentive to hire an american. if you want to make money, you

can't do it here. you have to go somewhere else. maybe we could get everybody working again if we get the government out of the way. guest: i think that is definitely a viewpoint that a lot of republicans are try to get at with these anti-poverty pushes and their economic ideas. for instance, senator marco rubio later this afternoon is going to unveil some of his economic proposals to boost the economy. some of those are things like lower taxes, less regulation, as a caller talked about. representative dave camp of michigan is the chairman of the tax-writing committee in the house. he has also unveiled a tax plan that is not good to go anywhere, but it has a lot of interesting ideas in it that would lower tax rates. there are a lot of those ideas

that the caller has talked about circulating. host: in aberdeen and we have a caller on the line for independents. caller: i work out of north dakota. i listen to all your comments on snowden. i guess i am -- how would i say this. i appreciate c-span and everything you do, but i have worked my tail off. i am 52 years old. i have been on my own since i've been 16. my body is feeling the pain. i've done nothing but physical work. i guess my comment is that our congress, democrat and republican, i have listened to everyone's comments.

they come to work when they want to come to work, they do what they do when they want to do it. there are people hurting in our country. we are sending $1 billion over to the ukraine. where does it end? when we start taking care of us and our families? they're going to recess now after this week for two weeks. we have 4 million people out of work here. when the snow melts i will go back to work hopefully in may when all the ice is -- if you watch the weather channel you all know what is going on in the world. we do what we can do. guest: i think what the caller is talking about is a sentiment that a lot of people are very frustrated with as well. a lot of people feel like

congress is not doing anything right now. they go on recess a lot. the fact of the matter is that they're probably not going to do a lot this year. it is a midterm election year. you go to score political points in those parties -- in both parties. there are a lot of ideas being thrown around. they're talking about senator marco rubio and paul ryan. a lot of americans are extremely frustrated because the economy is not where it should be. host: you mentioned paul ryan, the chairman of the budget committee. he recently started discussing poverty. guest: he hasn't put out a budget yet. in past years he has put out a budget rapoza for president obama. he did put out a long report detailing a lot of different

problems with different poverty programs that he saw. he is going to talk more about different programs to combat anti-poverty. that is what he is saying he will do in his budget. we have not seen it yet, though. that is a push that he has been trying to make sense to 2012 presidential campaign. i think it goes along with what a lot of republicans saw after the threat of the government shut down this fall. their government approval rating really took a huge hit. house republicans in particular are trying to say that we are not just a party that wants to cut spending and argue about budget battles. they want to say they are a party that proposes new ideas and he is a part of that. host: we have a call from california on the line for democrats. caller: manufacturing will return to america and how housing index is up. spending is down. we are going to have a great 2014.

thank you for your honest reporting. >> i got done listening to donald trump early this morning. it was summer around 21 or 22%. and from what i have been reading, several different , college graduates, 53% are unemployed or underemployed. this is the lowest thatntage of the workforce has had jobs since the great depression. maybe worse than that.

if our economy is good, why is the fed pumping -- >> there are a lot of different things to pick apart. the caller is right that the jobs, of people that have the labor force participation righate is low. the unemployment rate is twice as high for people to just have then withl degrees college degrees. the federal reserve is trying to figure out how long it should keep pumping into the economy. what is the benchmark they should use to measure the health of the economy since the employment rate at this point is not quite the best indicator? >> next up is mike in burlington vermont.

>> the morning, c-span. >> we hear you. understand why this current administration doesn't tax businesses that are outsourcing jobs overseas. jobs that americans typically do at home, they are outsourcing and that is having an impact on the economy. i don't know why they don't tax these corporations. that is why the unemployment rate is so high in this country. that is one of the major questions are like to ask. >> the central government can't

enforce -- force employers to keep jobs here if it is cheaper to produce work overseas. they have talked extensively about reforming the corporate side of the tax code. how do you tax these global companies that do a lot of work overseas? and has definitely been an issue that both parties have looked at. not a lotely there's of political will to completely overhaul the tax code. it is a huge undertaking that would require a lot of politically unpopular decisions. elections looming, people are not going to do that at this point. those policy ideas are floating around. >> talk to us about the plans they recently released.

guest: plan was very interesting. it had a lot of different ideas, substantial ideas, and some of them surprising for a republican. one idea he talked about that got a lot of attention was an idea to -- to tax big banks a little more. then one way he would lower tax rates is getting rid of a lot of tax reductions people use for local and state taxes so people would not necessarily be able to take reductions they had. this is an interesting proposal he put forth. it not get a lot of traction. house republicans really distance themselves from it including john boehner. nothing about the policy proposals is they come out and can inform the discussion for years ahead. it will be a benchmark for which people talk about other tax ideas. host: florida, on the line for

republicans. you are on. are you with us? we will put you on hold and try to come back to you. next is michael in new york on our democrat line. caller: two points. there was a gentleman speaking about companies and jobs because of high taxes. during the books -- bush administration, they got a tax break extension for 10 years and created no jobs. this was before 2008. one more thing, articles written about these billionaires stashing their money from swiss banks, and i was wondering how that is coming along. do they agree to release the names of the people being sassy?

i will take my answer off the air. guest: thank you. a lot of good questions. i do not typically write about tax dodgers overseas. there is a great reporter who has written a lot of great things about the tax system. i would check out his work. the tax system is something a lot of people are concerned about. there is just not really a huge amount of political will at this point to tackle that. but there are a lot of discussions. host: next is greg in virginia on the democrats line. caller: good morning. thank you for this discussion. a couple of callers really hit on one of the main problems.

we have in america the most powerful purchasing market in the world still. we do not put terrorists on some of these foreign companies to allow them access to the market and great purchasing power. just as individuals, we're not buying american-made stuff. it is hard to find things, but everybody is going to walmart and buying crap from china. you see a great economic shift from our middle class to china and that is just the latest. part of the problem is exactly like you say, there is no political will. 435 people up on capitol hill. everybody says kicks -- kickbacks are illegal and they are the ones and their friends who are benefiting from this policy were people at the top are stashing millions upon millions of dollars we are sitting here and allowing it to happen. people do not vote or pay attention to the issues. a vote on social issues such as gay rights, which, what do i care what a gay person does, it does not affect me, but they vote against their economic interests.

guest: the caller is making a lot of points that a lot of people in this country feel. a lot of the themes the caller expressed will come up during this election year. a lot of what the caller talked about was the anger against congress, which has an all-time low approval rating month after month, and also the caller just talked about disdain for the gap at this point between the rich and the poor peer that continues to grow. a lot of lower and middle class people feel like they have lost a lot of ground in the great recession and they really have not recovered it. the gains economically have really gone to the top income earners. and just the top one percent of the people who have money in the stock market that has rebounded, investments, who own a lot of homes and things like that. those themes will continue to come up this year. there has been so much discussion about social mobility and economic income equality and

how bos part -- both parties try to resolve those issues. we will continue to see both parties talk about that on the campaign trail. host: i want to talk more about the earned income tax credit. looking at a statement mike bloomberg said, today, i join president obama where we discussed this budget proposal and his initiative to help young black latino men realize their potential. --

i want to ask you about the last part of that. is this something we will see happen? guest: i do not think it is something i will be passed this year, but out of all of the budget talks that happened last week, the expansion of the earned income tax credit is the greatest area of compromise amongst both parties. republicans really like it republicans really like it because it rewards working people and democrats have always liked it because it helps low income people. it is a fertile ground for two parties to compromise and is -- it is something that exists. earned income tax credits is something we are to have in place. it will be an expansion of programs that is successful. host: next is scott in ohio on our republican line. caller: i just have a comment about what nancy has to say

about obamacare affecting employment. a lot of businesses have said they have decreased because of obamacare. guest: i think it is a little bit too early to tell exactly what the affect the affordable care act will have on unemployment. there have been a lot of glitches. it seems to be sort of working now, but we will not have a great gauge about how it is affecting employment and consumer spending, all these economic issues, until it has been rolled out for longer. we have more data to assess it. host: around 8:30 a.m. eastern, we will be joined by our guest who will talk about before look at. nancy cook and economic correspondent for national journal.

next up, ohio, where maria is on the line for democrats. caller: i want to say the reason why people cannot get jobs is because we have state and government workers, whatever, they are their wives and sons, cousins, and you have the big dogs, they retire and come back and get another job making more money than what they was making when they retire. that is a problem we are having where people cannot get jobs because they're hiring their family and they are hiring and coming back and making more money.

guest: i cannot really comment on that on the local level with the local community. i am just not familiar with that. but is it -- it is an interesting point and the caller expresses a general frustration with the ability for people to actually get ahead in this economy, regardless what those roadblocks are and that is something a lot of americans feel. host: how regard these issues? guest: the issues of the economic recovery and why is stalled and who's been left behind, how you help out working people, how you help out poor people, i think they will be the dominant economic and political issues in the 2014 cycle. it is partly because both parties really want to appear sympathetic and put forth policy ideas they think can help people.

partly, it makes the party seem more sympathetic and overall. nobody wants to vote for a politician or party they view as heartless. these proposals give the party a little more in that sense. host: next is joe in texas on the line for democrats. caller: hello. yeah. [indiscernible] i want to know why the test people who put their money in the islands and stuff. something needs to be did about that. not pay your share of taxes. guest: the caller is expressing frustration with the tax system again. it is easy for them to do that. they have a lot of money and

teams preparing their tax returns. as i said earlier, both parties have really talked about reforming the tax system over the last few years. at this point, being so far in 2014 and so close to the midterm, where there is a lot of nervousness about who will control the senate in the next two years, the parties are not going to overhaul the tax system at this point. host: our guest is nancy cook. you can call in -- the next call from some north carolina on our democrats line.

caller: my name is james. i am really concerned with -- everybody is saying unemployment is at a stable level. you cannot say it is 7.5. you have always got to say it is 20 points with everybody dropped out now. a long time ago, they would give you what the unemployment rate was and that was it. there is always a "but" now. that makes people think we are not making no progress. 80 years ago, we are getting in unemployment report saying unemployment was nine points and there were no "buts."

guest: the caller is expressing the topline unemployment number everyone talks about does not necessarily give a full picture of what the jobs market looks like. so the economy may have added 175,000 jobs, but the thing is there is still a ton of people and a ton of different groups of people who have a much higher unemployment rate than the top line indicates. african-americans have an unemployment rate of 12%. few have a high school degree versus a college degree, the unemployment rate is twice as high. if you are a teenager, the unemployment rate is over 20% for you.

the topline number does not really get at the nuance of all the different problems with the labor market. host: sean income cordia, kansas, on our republican slime. it looks like we lost him. let's go to dean in virginia on our democrats line. caller: hello and thank you for c-span. my question is, i was wondering if there were any statistics on how technology replacing workers affects unemployment today. guest: i do not have those statistics on my fingertips but there has been discussion on the role. i see it all the time when i go to my local cvs and i am checking out at a machine rather than with a person. that is a concern moving ahead. the thing is, technology is here to stay and it has brought a lot of great things into our life as well. a lot of advances. but it is a concern about what types of jobs it will displace. a lot of those jobs are lower wage jobs that go to less educated workers who may just have a high school degree or less.

it is a concern going ahead. host: john in moorestown, new jersey, on our independent line. caller: i have a question for nancy cook. she mentioned multiple times about the political will in the capital. it seems to be a great disconnect between the political will of people in the capital and the american people. just wondering if she could mention if she knows what the political will is of the people on the hill and why they have not done anything in years? thank you. guest: capitol hill has done a few things. they reached a budget agreement that save jobs.

the government shutdown this fall -- that was great with the democratic senator patty murray in washington, a real leader in the democratic party at this point, and paul ryan. there have been a few instances where people have done things. with the political will question, it is not necessarily because the two parties do not want to do things. the roadblock is that they cannot agree on how to do things. they both talked a lot up in the past few months about unemployment insurance and anti-poverty programs. it is not that people do not have ideas and it is not that there is not a ton of political will for individuals, it is just that they cannot agree what the best solutions are for these problems and we have seen that year after year. host: in woodbridge for jenny on the line for democrats. caller: i would like to know -- i do not understand how poor people, not well off people, people who do not have anything, how could they vote for people year after year and keep them in office and all they are doing in office is doing the will of the rich people.

the rich people do not want poor people. they do not even want wealthy people. they want the country rich or poor. small business, they are the main reason we do not have middle-class. middle-class is declining. they do not want to hire. they want to suck up and give a tax break. a nickel raise will break us. stuff like that. congress, these people got insurance. they make a lot of money. they would kill their grandmother if they could. i am wondering what is wrong with these people that keep on voting these people in because of buzzwords. guest: i cannot explain why people vote for different people, there are a lot of

questions that go into that. it is not just economic issues. their money on political questions and social issues like education and abortion. there are a lot of things that go into the reasons people vote for people. host: cleveland, ohio, greg, one for republicans. caller: i was wondering what you felt about fair tax, that consumption tax, age 25 and s 25. it seems to be bogged down, not getting the light of day. a progressive tax, a sales tax, that has a rebate option for people up to their property level. it brings trillions of dollars from overseas back into our country. and helps create jobs, get rid of the multiple taxes, goods and products. people would not really feel the effect. it would be a 23% tax, but, without all the layers of taxes the cost for the product would not go up.

and people would able to hold our politicians more to account and we would be able to get rid of most of the irs. what seems to be onerous when it comes to auditing and, recently, things in the news where they target certain groups. guest: the caller is talking about a consumption tax. the things that people buy. it has been a policy proposal that has been circulating, and think takes for a long time. it seems very unlikely to pass or even really come up in the u.s. at this point. adding new taxes is not something either party is really excited to see. even president obama in his

budget when he talks about tax increases, there are tax increases on the wealthy or limiting deductions wealthy people can take, it is not introducing a home attacks. there is not a lot of appetite for that. host: john is on the line for democrats in michigan. caller: my comment is that i think the way to even the world playing field a little bit as far as jobs in the economy goes is if the united states would stop importing goods from these countries that indiscriminately manufacture things with no regard for the environment whatsoever. in the long run, it may raise prices on things, but it would also clean up the atmosphere and what brings jobs back to the country if it became more expensive to produce goods in foreign nations. anyway, that is my comment. thank you. guest: that is an interesting

one. the problem with trying to manufacture everything in the u.s. or just buy u.s. products, for some people, that means they would pay higher prices on things. if you go to walmart and you are only buying american-made things, that means the prices will be a lot higher and that may not work for all americans trying to shop. interesting idea, but it does not seem like it is feasible in this global economy. host: next on the line for republicans is john. caller: good morning. my first comment is that i have been watching this segment all morning. i noticed you are on a 4-1 ratio for democrats to republicans. i have been trying since this program was on so i know republicans are calling. my comment on the jobs and the economy as i have see this coming for 25 or 30 years where,

first of all, the jobs have been depleted because of all of the technology. it is plain and simple. every time you add technology, jobs will decline. as far as housing in this country, that is what has happened as well. you have given all of these people these loans to buy houses that they were not able to buy and then all of a sudden, the whole industry collapsed so you have got loss of jobs, loss of all of the employment in the housing industry, and those are the two main reasons our economy is going down the drain right now. i would like to hear what you say about that. thank you. guest: i agree with the caller technology has displaced some jobs.

moving ahead, there are a lot of ideas about how to help workers. it means workers, they're going to participate in the economy with more technology, more global economy, it means workers will have to have more advanced skills. there is a push for people to learn more math, science, technology, engineering skills. if you are going to be a manufacturer, you have to have these high skills. and the value of a college degree is really important. that is on politicians minds as they propose and think about antipoverty programs, job training programs, and how to put people back to work. host: in illinois, jack is on the independent line. caller: my question is, the supreme court today will start rolling on finance reform and i would like to know how the lady feels that it might help or hinder in changing job creation and all that stuff.

guest: i do not cover finance reform specifically so i am not super familiar with what you're talking about with the supreme court specifically today. one thing that has been talked about with financial reform and the dodd frank bill, which sought after the recession to put limits on big banks, is that finance reform, politicians view as important because you do not want another big bank failure. you do not want another lehman brothers collapse, because those things ultimately helps tank the economy and the housing market. there is a link. host: the last call from the segment is from south carolina. john is on the democrats line. caller: good morning. please do not cut me off. i want to ask this question

quick and then i have a comment. do you think you can live off $10 an hour? guest: i think a lot of politicians and americans are aware it is tough. caller: do you know the cost of local bread? guest: i do not know. caller: great. you said you could live off $10 an hour but you do not know the cost of the local bread. every time something goes up -- gas, everything goes up. walk in the store. you cannot buy anything. [indiscernible] raise my wage every time a raise gas so i can keep up.

try living off $10 an hour for a month. guest: what the caller is talking about is basically that wages have remained flat for workers. not just people at an hourly wage. prices has not remained flat. it is a frustrating conundrum, and that is what a lot of people are trying to think about with anti-poverty pushes and economic ideas. host: we will leave it there. nancy cook. thank you for joining us. guest: thank you for having me. burns tomorrow in washington edward, we will discuss

snowden at the sxsw festival. there will be comments i edward snowden. tom cole and a member of the appropriations and budget theittee will look at president' 15 request. plus, you are phone calls and tweets. we are live at 7:00 a.m. on c-span. they live look now at the u.s. senate where members have voted to move or were on the nomination -- forward on the nomination of a judge. they just voted to approve legislation by claire mccaskill related to sexual assault in the military. next, the senators from the climate action task for some will begin and all night session. we expect to hear from several dozen democratic editors wrote the evening -- senators throughout the evening.

you can take part in the #.cussion by using a follow gavel to gavel coverage of the u.s. senate on then to. tonight on c-span, remarks from bob casey. he will discuss the u.s.'s role in a guinness and. -- afghanistan. -- atke earlier today on an event hosted by the center for american rockers. see his comments tonight. >> if more than one entity is the key identifier of the internet, by nature, the internet will no longer be one that -- one net. domain name of the system is the root services system.

thereer to resolve names, is an actual root system that makes that work for the entire planet. ensurees are resolved to that when you type debbie ww -- n.org or any other website name, you go to the exact site every time for the last two decades. the head of the internet corporation for assigned names and numbers on "the communicators." >> now back to washington journal for a look at the health care law and how the president cost budget request deals with it. this is 40 minutes. >> our guest covers health policy. the obama administration made some major changes to the health care law.

>> if you are one of these folks who had their insurance canceled, and then you got yourself in a situation where you were able to do it, you will be able to stay on a plan for two more years. until 2017. host: what was the reasoning behind that? they want to give americans access to coverage. there isth noting that congressional action in november. these plants will come up for renewal or cancellation right around october or november. host: this could be a move for democrats? it could be a move for

democrats. they have given them a lot of assistance on this policy. at least one republican has made that suggestion. i will read some comments. backdministration cannot away from his broken promises. the administration lakhs accountability. it is cause for alarm. they are voting to protect all americans from disaster. they have said dozens of times over that they've changed the law because it was not ready for prime time. what do you make of that? >> they are simply trying to be as pragmatic and flexible as possible. they want to address this as quickly as they can instead of waiting for congress.

representative's complaints are not unusual. they say that the administration is stepping out of bounds. there is a lot of question about whether extending these claims is even legal. there are other lawyers out in the country who say that there is no persuasive reason for this. our guest is alex wayne. alex call us and join and. we are talking about the latest. i want to listen to what he had to say and then get you to bring that break it down. >> we wanted to give people as many options as they could to

make sure that they stay covered. i think there's been a lot of discussion of the facts that people who have health insurance -- the cost of moving to a new plan would be prohibitive or the. we are trying to provide a transition. the last thing we want is to have anybody who had coverage to not happen. we have done everything that we can. in to apeople to move plan in the marketplace. they may find it is less expensive. >> that if gary condit. he is planning on stepping down. this is a wrenching change to the health care system.

it is the biggest overall u.s. health care since the creation of medicare and medicaid in the neck and 60's. the administration is trying to roll with the changes here, to be flexible, when these very difficult, very large adjustments to the way people get coverage are made. host: the first call for the segment comes from new orleans. mike is with independents. caller: i am an activist and it blows me away i listen to journalists who think they know what they're talking about and lied to us all away. i have talked in the past year. i am not exaggerating. i'm being kind. at least 500 medical professionals, from doctors, nurses, suppliers, you name it, i have yet to run into one, a

single one, that is in favor of the poor -- the affordable health care act. i talk to someone who broke down and cried. she had been a nurse for 28 years and the affordable care act, and these are her words, are good -- is going to kill more people than it will help the -- ever. it goes on and on and on. the entire thing was set up. i'm getting details every day from health-care professionals, death panels, primary care now. they're getting $35 to deliver a baby. this is destroying the entire health care industry. i would beg this so-called journalist to find one signal health care professional in favor of it. have a good day. guest: i do not know what to say to the guy. the health-care profession,

there are a lot of doctors opposed to the health-care law. i will go ahead and say there is no such thing as death panels. they are not in the law and they do not exist. i do not believe doctors are being paid $35 to deliver babies. host: when we hear people talking about noncompliant plans, what do they mean by that. guest: the plants people were able to extend last fall, they might not comply with certain requirements under the affordable care act such as covering all 10 categories of essential benefits of the law requires, including maternity care, prescription jobs -- drugs and hospitalization could not have been extended before the change of policy. host: the next caller is in nebraska on our republicans line. caller: i am a nurse.