that is all the money we have viewed today. watch tomorrow when melissa is live from dam point* california. you do not want to miss melissa. gerri: "this is it." the last night candidates square off for only 15 days away we will have reprieve be with the political analyst out there. your taxes will go up. this is the list report. -- "the willis report". gerri: hello everybody. tonight is the night. the final debate last chance to see the candidates go

head-to-head. tonight's topic is foreign policy. the president was leading by 15 points but now it has all but disappeared. the challenge is for mitt romney to take advantage of the president's weakness. tonight we have jason chaffetz of utah. great to have you. governor romney, we are fascinated by what he will lay out. what will he say? >> we will talk about china and the economic impact. when we deficit spend $3 billion per day, there's the economic impact. mitt romney has a stronger vision. dealing with china, making ourselves more globally competitive also libya

libya, israel, syria, iran and the explosion of terrorism we have seen recently. i look forward to the discussion on china. gerri: net romney famously said he would take a survey of all the departments in the federal government any fed did not have an obvious reason for being he does not want to borrow money from china to pay for the agency. moving on, real concerns about libya. the president, the administration might have known and not tell the american people. gerri: net romney was criticczed for not hitting that hard enough last time. >> for mitt romney to talk about his vision for the country but obama has created a narrative that is

totally inconsistent. i want to hear obama explained why the benghazi facility plus bombed in april and in june. we had a terrorist attack. we didn't get more personnel or fortified the facility. we allowed people to be there numbing their word the al qaeda of legs, a terrorist activity, september 1st putting libya on high alert alert, why didn't the president proactively put security in place? gerri: the president has talked about this campaign. this was last thursday. >> i told to i would end the war in iraq. we did clap lap i said we would end the war in afghanistan. we are.

focus on the terrorist who could impact us on 9/11. osama bin laden is dead. gerri: how will romney react to that list of accomplishments? >> we also have four dead americans not losing an ambassador since the 1970's. al qaeda and other affiliate's are still very active. it is not fair to say they're on their heels when they just killed four americans. gerri: joe biden hitting paul ryan four cutting security negative standing you did the same thing how do respond? you say we need more security but yet to use said no. >> that was not a direct vote on more security for libya.

when we asked those in charge of the state department we said is the reason you did not get more assets? she said no. they had almost 100% funding increase and at the end of the day you have to make priorities. spending money is not the solution to all problems. there are 15,000 contractors you have to wonder rare are the priorities of the administration? gerri: i am not sure you are the chairman of subcommittee we did not take you out of the blue. but i want to ask questions about libya. how can we categorize attack not terrorism?

how will mitt romney go after the issue? there is widespread agreement he needs to address the issue. >> i have not spoken directly with him but the right to answer is there are 230 security tax to have them british ambassador assassination attempt. often you hear the administration say the intelligence community let us down. so they would foreshadow this to the faithful night with the murder of those four americans. how can they go on television to talk about the t -- the tape for weeks? there was no mob. if there was a tie it was small. but there is no

justification with the press secrrtary, the ambassador said the results of a video gone wrong. they are still dealing with it because they keep changing their story. gerri: a lot of questions. always good to see you. thank you for stopping by. joining me now is a t. mcfarland and ed rollins. , fox news contributors brought i have told do last one was so contentious items on nervous. our foreign policy how important is it? is this what people will make their decision on? >> the president has failed on the economic front. he has high marks because people don't know what is

going on in afghanistan. week killed osama bin laden. people we're pleased by that. now we see the unraveling of what is going on. killing american soldiers, in ambassador not protected in a dangerous spot this is an indictment. and worked at the white house for a long time. you get the early information and use say i want to know more. what is going on. he clearly failed. gerri: that is showing up in the polls. approval or disapproval. disapproval 46% this is considered abysmal. how should romney position himself?

what to the american people want to hear? bikinis to go after the president not just libya although. iraq. afghanistan, iran, go through the whole list including the reset with russia. number two, presented a positive message. obama will say i am obama the osama bin laden slayer. that is all he has got. then he will criticize romney. mitt romney needs to make the case, like reagan, he is not. he will use the economic weapon to go after our adversaries, but not use the military weapon. if he makes the case piece for string that means you have the stuff -- toughest

military nobody picks a fight. >> the president was respected as strong and tough. this president is not viewed that way. gerri: example number one? >> the soviets have question around. the apology tour. the ada he would apologize for our foreign policy we should be patted on the back for what we have done. >> what should obama have done? security failure but he had no attempt to rescue the people. we could have had the delta force there within one hour. it went on four or five hours. they were expendable. then we did not retaliate. gerri: obama has been the leader of the free world for four years. mitt romney does not.

can he show people he would be a good leader internationally? >> talk about where he wants to take the country, and leadership is what he has to talk about. four years ago the president was ranked 99 and took on john mccain and did just fine. mitt romney is smart, tough, the key thing is the leadership quotient. i don't think the president has it. gerri: the mayor times said the white house, the state department would negotiate with ahmadinejad about the nuclear capability. what is that about? is that reality? >> wishful thinking. the problem with saying that we will negotiate this what a firebrand says no?

then it looks like the president made it up. if there is the october surprise to use his position would go after the a zero al qaeda training camps. there is no loss of life and the commander says i am the commander in chief. >> back to libya response to comments from david axelrod about being fully transparent. >> the administrations reported everything we have @%en told it is a complicated situation. looking at what happened. there has been no inconsistency.

>> axelrod is the master spinner. fox did a piece that is extraordinary to give us far more detail. day by day you need to lay the facts out. they have done the opposite. when they discover their bosses they gave us more but not all whole story. gerri: and they threw him three to the cia to seven here is negative of quotations. >> this is not a case protest directed at the united states. this is in response this offenses. >> a reaction to what has transpired in cairo as a

consequence of the video. >> that was there fog machine. they had to cover up the fact five-- prior the president said al qaeda is on its heels. that was the al qaeda attack. gerri: i wish we could keep you hear. is the national debt to a national security threat? be sure to watch the live coverage tonight starting at 8:00 p.m. eastern posted by neil cavuto. he will be with us in about 40 minutes. ben bernanke says low-interest rates helped the economy. we have the results something both sides agree on ending the payroll tax

cut. what it means for you and your money. next.

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well that was uncalled for. folks who save hundreds of dollars switching to geico sure are happy. how happy, ronny? happier th gallagher at a farmers' market. get happy. get geico. gerri: here come the tax is. matter who wins if capitol hill and the white house can agree the death tax, your tax bill will go higher. why? the payroll tax cut ends january 1st. actually 163 million working americans are affected. it will cost about $1,000 per year with six figures as much as 4500.

this is our works. funded by 12.5% tax on wages through 110,000. it will go up in 2013. half this played by the worker and half by the employer. but the admmnistration led the share down at 4.2%. critics say was not much more than a sugar high the ultimate impact is not too much. look at what is passing for a recovery, 23 million americans underemployed unemployed. have to agree there was not much there. so security is already in jeopardy. it is time to get serious

about to make sure the critical program does not go unfunded. if the payroll tax cut this appears there is no amt patch it will be of brutal spring for all taxpayers but it is time the country got discipline learning how to manage its budget. do you know, what comes after that? a nasty headache. what do you think? send me an e-mail. gerri@foxbusiness.com. >> the fed cannot get right. americans feel better about finances but are afraid to borrow. our bank rate analyst this year. taxpayers shelled out billions of dollars but now that a.g. ceo hwan said

thank you? later. one doctor is running ads about obamacare calling it a fiscal disaster. we're on the case. next. conomy more than a few times before they're grown. but it's for them, so i've found a way. who matters most to you sa the most about you. massmutual is owned by ourolicyholders sohey matter most to us. massmutual. we'll help you get there.

gerri: ben bernanke wants you to spend money but americans say no. his pledge to keep interest rates low at is having the opposite effect. three out of four said they will not borrow. here to break it down is our

senior analyst from bank rate.com. this is the result of the survey you did. three at a four americans, 74% say i am not inclined to borrow money. what is going on? >> the consumer is in the leveraging mode. consumers are paying down their debt. that is the last thing ben bernanke wanted to hear. gerri: what are americans doing? paying off what kind of debt? >> there refinancing mortgages, credit-card debt, higher interest rate obligations and boosting savings. people know they are behind eight ball. people don't have adequate savings and they know it.

there's a lot of focus to build up that cut -- cushion. gerri: what is the other group that is worse? >> retirees. only one out of six says their situation is better today than one year-ago. that is the same as unemployed. gerri: unbelievable. the fiscal cliff see that taxes go up talked-about payroll tax both embrace this is it a double whammy? >> the fiscal cliff is no joke. it could be the instant recession 2013 because of the tax increases but sharp spending cuts.

missile outweigh the fed or who wins the election. the only uncertainty is the looming fiscal cliff. gerri: people on the street, ceo, they don't know what to expect. the five components improved? >> we did. security rebounded to the highest levels we have seen the housing market and the stock market performed well. nnw feeling better and with job security people feel more secure than they did also reporting a higher net worth. gerri: interesting findings.

we appreciate your time. gerri: one doctor trying to get rid of obamacare. the recipient of one of the biggest bailouts wants a thank you. stay with us. what's next? he's going to apply testosterone to his underarm. axiron, the only underarm treatment r low t, can restore testosterone levels back to normal in most men.

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gerri: the president and ceo of a.g., benmosche is upset he never got a thank you note to from paying them bail-out he received from taxpayers. taking in nearly 60 million. he was quoted to say they a.g. bailout was not a free lunch. they have given the fed back all of its money.

he calls out the fed and the taxpayer on grateful. we have mark calabria from the cato institute. they got $68 billion. they returned 65.1 billion. why should i be on my knees? that sounds crazy. >> but keep in mind he did not come in and tell one year after it was taken over. he has sold a lot of assets. and the company would be in worse shape if he was not there. gerri: it is also "the new york post" road to achieve this arrogant bailout bozo. >> eric and yes. he did not ask for the bailout.

as you know, iowa's against the bailout then and now. if you bail-out companies you want management to make tough choices. p. shook up the management slim down the company getting them back on the right track. we should not have paid -- bail-out wall street you need to have a strong ceo. gerri: this reminds me when the automobile ceo came to washington in a private jet and their companies were crumbling. what is wrong with you? that is like benmosche saying you need to be thankful. that is not the message taxpayers want to hear. >> i think he deserves to

thank you i do think there is a difference. he did not run the company. now to say that the "inc." magazine came to him why is everybody thanking me? >> >> look being at citi group group, a big changes for that company. they're going through their troubles. nobody may have gone to jail but we see the fallout. >> to see a lot of leadership change, a.g.

needed a strong personality. pushing back attempts to politicize. you have to have somebody who is arrogant practice if they rollover everytime washington says do this are to that. gerri: fannie and freddie are the institutions we ears still on the hook for billions. will we ever get it back? >> we there get rid of them more brcs stock -- o.r. we are stock. [laughter] i am happy with the their option.

gerri: thank you for coming. i will be joined by neil cavuto live in about 15 minutes. he made headlines saying how obamacare will impact him, his business and patience. next. >> i'm a conservative investor.

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gerri: how dangerous is obamacare? asked our medical doctor who is in ohio gaining national attention. running a 2000 word letter full-page newspaper ads on the risks and perils of obamacare. joining me now, dr. thank you for being with us. we appreciate you being with us progress sounds like you need a group of doctors. how many people are following you? >> when i wrote a letter i did not know how many people would sign it but i showed it to a couple of colleagues and they said they were on board. read decided critical number was at 20. within two-- we had 42.

since publication, and many more people, doctors have called from our community and other cities and states. gerri: this is what i hear from all over the country. we provide insurance but also things that the administration is hiding from us. the white house wants you to be in ignorance making it the 2700 pages. what is it not telling us? >> they're not telling the public what it will take to implement the law. this has nice things on the surface insuring 32 million americans, ignoring

pre-existing conditions. it sounds generous but will take a lot of money to cover that. the cost is passed on and in addition they create a giant bureaucracy. and that cost money. the last thing you want to do and a failing system is within new layer of expenses. where does that come from? those are health care dollars bealth care dollars being used to support the new bureaucracy. gerri: what was pledged was a fiscal disaster bringing higher health care cost and a rationing of medical services. but a government job.

why is that a bad thing? >> i don't think to many doctors or too many students will want to pursue a career in medicine. it is a very long and arduous process. people are unaware how long it takes and how expensive. foremost people, the whole scope of higher education is four years. for the internal list it is 11 years. maybe 14 years. the debt to is exorbitant. gerri: talk about the trade-off. now you say we ration care. that is what we have been reported nine these health

care professionals decide what gets funded and what does not. doesn't that tie your hands? >> exactly. to us, it is a moral decision. our relationship requires of us we do the best we can for our patience. but if the board tells us you cannot do that, it puts us in a predicament. we cannot do what we think is best. gerri: 55% position said they would repeal and replace. 50% will cut back on patients, switching to cash only zero are quitting

altogether. telling their kids do not pursue a career in medicine. it sounds like people are oppressed and not in the way they like. >> physicians are in a state of despair. after working so hard they are in a state of despair. in addition bit their lives are difficult, threat and by cuts in reimbursement, the possibility of malpractice. the doctor lives in a state of anxiety. gerri: you are small

business operators but with the new scheme you are government employees. if doctors don't feel they're winning and neither do the patients who makes out like a bandit? >> the reality is the way we see it in the end there are no great winners. patients will lose and so will doctors. some sectors will make temporary profit. they may feel people are mandated that may increase the profit. and big hospitals.

gerri: thank you for coming. fascinating to talk to you. please come back soon as this is implemented. >> thank you for having me. gerri. you see us, at the start of the day. on the company phone lt that's a few names longer. you see us bank on busier highway on once empty fields. everyday you see all the ways all of us at us bank are helping grow our economy. lending more so companies and communities can expand,

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gerri: your golden years you have to retire today you would not be ready. most are not saving enough for retirement or not sure how much they are saving. from t. rowe price investment services, stuart

thank you for coming. how do people not know how much they are saving? >> a 401(k) is not a plan. when they're hired they sign up and fill out the paperwork. when asked the don't remember the number they wrote down. they don't know 15 percent should be the number people are focused on. you can see why they end up in a situation. >> saving 3% is like going to the gym six minutes. [laughter] what else? >> a couple of positive things. 92% have 401(k) making contributions. 72% say retirement is there top priority. the top priority.

a lot recognize how important it is. unfortunately the flips side people are not saving enough. 2/3 saving less than 10%. saving low amounts only goes to the gem for a couple of minutes. gerri: talking about age 50 and o her but a new survey says 30 somethings are the most concerned about retirement. does that surprise you? >> with the economy they have dealt with, the message is similar. you will feel more confident if there is an account with your name on it. especially if you start early now get it going.

that means you were dollars than 15% means more dollars.evek that means they can take control. gerri: they key for coming on tonight. >> we will be right back.we where our dedicated support teams help you know more so your money can do more. [ rodger ] at scottrade, seven dollar trades are just the start. our teams have the information you want when you need it. it's anothereason more investors are saying... [ all ] i'm with scottrade.

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stories straight. everybody says less contentious but i hardly believe it given the rhetoric last time. >> also last sit-down debate between paul ryan and joe biden even though they were sitting down. but with the foreign policy debate could go into other yet issues like economic. we already heard from many in them their money camp they will talk about what makes our national security vulnerable, our debt and other problems we're on the verge of seeing the currency that will take your of fiscal cliff and we're not who used to be.

when you are in economic aid troubled you are militarily troubled people think you are unable or unwilling to finance the efforts of counterterrorism. this will provide that then you. expect bothhto come out for him is better to lead the free world. >> gerri: jason chaffetz says he expects china to be part of the debate. last time romney said i will survey all agencies. and they are not important i will not borrow from china to find their actions. will it be an issue? >> then that could work against him. it is a dilemmas test how you judge spending if it justifies borrowing money from china.

we got confirmation today the united states was getting more experts in any of their country. romney will stress they get to as much as the -- from us as we do for them. depending on how they sell it that will define it. gerri: who do you have tonight? your top list of gas? >> representative from full-size. sarah palin. someone who signed the open letter to all voters largely corporate titans unhappy with this president. why he signed on and he is a democrat. gerri: that is a great satcom. to an end. you will have