>> and the retribution, i think it is absolutely perfect. melissa: on that sticky know, that's all the "money" we have for you today. you will see you back here tomorrow. i've been to get some canned wine and a grilled cheese donut. "the willis report" is coming up next. gerri: hello, everybody. i'm gerri willis. tonight on "the willis report" a little girl's fight to get a life-saving lung transplant. a special report on the open -- organ donor network. also, 30 year mortgage rates jumped. will the spike in borrowing costs hurt the housing recovery? and want to make money? stocks and bonds not for you? >> by something that you loved. learn about it. gerri: the big returns from of the investments. watching out for you tonight on "the willis report." ♪ gerri: we will have all of that and more.

first, our top story, big brother watching you or in this case, listening to you. a top-secret court order is forcing verizon to hand over millions of its customers' phone records to the government. but just how much freedom should you sacrifice for national security? joining me now, senior policy council for the aclu and former federal prosecutor, michael wilde who has testified on capitol hill in connection with the anti-terrorism legislation. i will start with you once that. how extensively is the government looking at our phooe calls? >> first, i should say, i am a big fan of the aclu and it breaks my head -- breaks my heart to reach my support. gerri: you guys have to be on opposite sides of this one. >> sometimes it happens. look, you know, we have a lower expectation of privacy when we go to airports. this is not government listening to the contents of our phone calls. they're actually looking at effectively the return address is and where things are going. they're looking for patterns.

in 2011 testimony came from the intelligence community that in about 40 cases this actually was useful intelligence for them. adult think this is slippery slope that is going to cause more problems, and it is important, no doubt, that we have heard and have as great electronic equipment, if not better than the bad guys. gerri: well, to you. i want to read this top secret court order. some people are just mad because we did not know about it. it came as news to a lot of people. here is the top secret court order on an ongoing daily basis all calls details greeted by verizon for communications with and the u.s. and met today includes comprehensive communications, routing information, session identifying numbers and information, telephone calling card numbers, time and duration of col. get just as michael said, this is not listening to the detail of your phone call, but it is all other details around it. you find this disturbing. why? >> well, because it is unconstitutional under the fourth amendment, first of all.

you know, you have to understand that this detail, while is not context, still is very detailed information about your life over a long month time. so senator feinstein has a knowledge these orders are just reactivation as a orders that have been going on for seven years. so this is millions of phone calls of millions of americans that are being collected. gerri: and point of fact, 121 million customers. and there is no reason to think that other phone companies have not had a similar agreements with the government's. >> i agree. i just don't see the harm in congress they were told by the intelligence committee that we need to look at roving terrorists, lone wolves..3 we need business records. this is effectively the same standard that they used in medicare or fraud or when the government asks for information subpoenas. i serve as a federal prosecutor at the u.s. attorney's office. they believe there is a crime they can ferreted out by giving

misinformation. it is only actionable if they can put it together with other intelligence. if you have shares in local towns, if you have foreign students, and an immigration lawyer by trade. if you have other intelligence coming in where they can avert an attack with these phone calls, we are talking about people making calls to high-target areas. we are not talking about people calling their lovers, grandparents. gerri: we don't really know that at the end of the day. >> actually, we know that the opposite is true. this is domestic calls that are being collected. the may data. and, you know, so when you call your doctor or when you call a guerrilla the clinic. were you call political groups that you are associated with, that data tells a whole lot about your life. >> but we don't really care whether or not -- i don't think the government is interested in what physicians are seeing in their communications. gerri: i want to get to something else or just a second.

there is a breaking story this hour from the washington post that extends this story. what the post as saying this afternoon is that the nsa and the fbi are tapping directly into the central servers of nine leading internet companies, extracting audio, video, photos, and e-mails. it is a program that has been known as present. is not been made public, and i want to ask you this question because this would not be so upsetting, except that the government does not tell us about this. the government on the one hand comes out and says, the war on terror is really over. the war on terror, we won it. the same time they're doing this >> we have some beautiful citizen children of this nation that are facing harm's way. we cannot expose the methods and procedures of their apparatus, but we must get to the methods and procedures of those that we do in cities conduct on u.s. soil with our communications. gerri: response to that. people in harm's way depending

on this kind of research, this kind of information, this kind of data it to back up their eeforts in the field. >> collecting information about innocent people won't give you any information about guilty people. i also worked at the federal government works and the fbi for 16 years. when i found were evidence based investigations targeted against those individuals. >> one simple attack by one piece of information that was data mind. i would disagree if only we save one life. >> again, when we look get the cases where intelligence fell through the cracks, what we find is that the investigators were inundated with worthless information, so they did not have time to find a crucial pieces that would have been -- gerri: before we go, respond to this "washington post" story about the government looking directly into the central servers of these big internet companies, and i mean big. what do you make of this? >> said think you're exactly right. the problem is, we have so many

secret programs that we don't know about that it makes the public debate impossible. americans deserve to know what their government is doing. we have this opposite of the fourth amendment going on with the government thinks that it can know everything about the citizens that the citizenry can all but the government. gerri: i want you to respond to something that the president said on privacy. here he is. >> this administration also puts forward a false choice between the liberties that we cherish in the security we provide. >> i will provide our intelligence and law-enforcement agencies with the tools that they need to track and take out the terrorists without undermining our constitution and our freedom. that means no more illegal wiretapping of american citizens. no more national security letters to spy on citizens who are not suspected of a crime. gerri: what do you make of that? >> a competing interest. i believe as the president articulated just now, safety trust privacy. it does not trump our

constitutional privileges, but it means, like i said, when you go to an airport you have a different expectation of privacy encompasses. i would agree with my colleague. if this was going to be an invasion of content, but if they can data mining put things together that will save the single life in this nation, go ahead. gerri: to you. >> there is not a balance between security and privacy. collecting my phone records won't tell the government anything about terrorist. so, you know, this is a false choice we are being given. we need to do is demand just parents to combine know what the government is doing and make sure it is actually effective and not -- where not sacrificing privacy for no security. gerri: last word. >> this is a are not free to do anything that we want. we cannot prescreen from the theater, nor can we allow let terrorists to take one phone and do something to a third party. in boston we see when a lone wolf is capable of, and we have to be one step ahead, not

reacting. underwear bombers, she bombers, and all this technology that our children actually no more than we do, we have to be tested said gerri: smart debate. you guys are pros. excellent conversation. thank you so much for really bringing his own. thank you so much. on a totally different topic, mortgage rates are going higher. you could not have missed that. the 30-year fixed-rate rose for the fifth week in a row. right now hovering right under 4%. does according to freddie mac. the same loan is above 4 percent in another survey by the mortgage brokers association. the big question, will the spike in rates are at the housing recovery and even traps homeowners who want to trade up? joining me now, chief economist. welcome back to the show. good to see you. you know, we all, depending in who you believe in, is this going to end packed what seems to be a strong housing recovery?

>> thanks. it's good to be here. the big increase that we saw, it is a shock but not a surprise. this is something we have been expecting to see. what it means first of all, less for financing. gerri: what about the boom? we have seen rates in double digits. the long-term averages something like 8 percent. what does this do? >> this does very little. 4 percent, four and a half percent, even by percent, buying is much cheaper than renting. buying looks 33% cheaper than renting. gerri: we still have not gotten

back really in most cities to levels that we were during the boom. a long way to go, but a lot of people out there feel this is a big recovery in the wake because it is led by investors, not first-time home buyers. you have to wonder if the first-time home buyer still really is not in the market, will they be impacted by this rate increase? those are the people who are going to have to try to come up to 20%. >> there is still a lot of pent-up demand by households who want to get into the market. people who have been bubbling up, living with parents, still see that housing is affordable relative to where it has been. the big carriers are credit is still tight and also inventories tight. even if you wanted to jump into take advantage before rates went up, you might have had a hardd3 time finding someplace to buy. but some of the good news that could come out of this rate increase is zipping set your refinancings to do they might free up some resources to focus more on home purchases.

gerri: you can dream, my friend. you can dream, my friend. maybe that will happen. let's get to this issue which is really interesting. some people are saying now is the time to sell because if rates are going to start going up, we have seen this increase in prices. there is this perfect store, this confluence coming together. now might be the time to put your house on the market if you want to trade at. >> if you are in a hurry to sell, this is a great time. there are a lot of buyers, not a lot of competition. if you need to sell in a hurry, this is a great time. prices are likely to keep going up. if you're not in a hurry, if you all the longer you're likely to get a better price six months or year from now than you did today gerri: of course your next test will be more expensive. thank you for coming on pretty good information. thank you so much. >> thanks. gerri: now we want to know what you think. here is our question. with a 4 percent mortgage rate keep you from buying a house? log on to gerriwillis.com, vote on the right-hand side of the screen of a share the results of

the end of the show. of course, more to come. we are just getting started. our day long look at offbeat investments. our first outside the box idea for your money, art. not just the traditional ways. and the tragic story of sarah, capturing the nation as a little growth awaiting a lung transplant. how much do we really know about the list that stands between life and death? one doctor will explain it to us. stay with us. vo: traving you definitely end up meeting a lot more people but

a friend under water is something completetely differe. i met a turtle friend today so, you don't get that very often. it seemed like it was more than happy to have us in his home.

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gerri: ten year old sarah has just weeks to live. dying from cystic fibrosis and desperately needs new lungs to survive, but she has been too young to get on the adult transplant list. today a judge ordering an exception to the rule boosting her chances of receiving a potentially life-saving transplant. the controversial decision is calling into question just how this process works. who gets priority for these life-saving organs to be the second child in philadelphia is

suing to get on the list. joining me now, dr. christopher whitfield, assistant director of surgery at the university of chicago medicine. thank you for being with us. appreciate your coming on. i understand that you don't want to talk about her specific case, but we want to talk about this idea of these organists, lists that people get their names on to get new organs. of course it is always a game. lots of pressure on these families. him maintains these lists and how they get put together? >> the first thing to say is that the lists are devised according to scientific data. and the distinction between an adult and that party a checklist is mostly when the lists were developer when the system, i should say, for allegations course was developed, the data was there for the adult population, but the data for the pediatric population is much smaller. it had to be a separate list. gerri: is that still true today?

>> that is still true today because the vast majority of transplants and long transportation are done for adult recipients, not for pediatric recipients. gerri: that is really the core of the problem, her age. and from eye doctors perspective the you see it as an issue that she would get an adult or in? is that going to be a problem? >> well, it may. not so much the age, but the size of organs. especially in lung transplantation. and that is where really all of the issues are revolving around. you see, simply downsizing of the lungs is not an easy affair. and suddenly finding the right size match in addition is not always a straightforward proposition. we don't want anything bigger or smaller than 20 percent discrepancy between the donor and recipient. gerri: you know, i read that 18 people die every day waiting on an organ. isn't part of the problem that

people are donating enough to make people are checking the box and addresses? they're not deciding at the end of the ddte that if they are in a perilous situation, if they died as, in fact and other organs to be donated. >> absolutely, and i think that was my main reason for coming and joining year today. we have to raise more awareness. the problem with lung transplantation in particular is that only one out of five of those patients who become donors actually provide suitable lawns for transplantation. so the situation is far worse for longer than it is for other organs. and then further to that, if we did have sufficient on is available, there would not be as acute as severe as they are. gerri: do you support a system where people would have topped out if they did not want to donate their organs? >> that is the case in some european countries. that brings with it a whole different set of problems and criteria.

i think we have to accept that in the u.s. and other western countries, organ donation is perceived as the ultimate altruistic gift. and i personally agree entirely with that approach. we need to have awareness in the population that people do have their donor cards signed for the misfortune and tragic events if they die prematurely. think the key is in the awareness of the general population and to allow the critical care physicians to do their job. gerri: i want to get back to something you said earlier. i ask you who maintains his list and how they get put together. you said it is all scientific. what does that mean? to doctors but then together? who is responsible for maintaining these lists? >> well, patients are placed on waiting lists for organ transplantation when they fill certain criteria. they both have to -- as well as

strong enough to survive such a severe procedure as a lung transplantation. clearly it has to be in the judgment of the physician taking care of each individual patient whether a person is suitable as a candidate for transplantation. that is how they get placed on waiting lists ticket -- gerri: thank you for coming on. you made clear as a bell. >> my pleasure. thank you. gerri: later in the show an irs official ties to defend his agency's lavish spending. next, we take a look at the business of of the investments. we take you to a world renowned art auction house for ideas on how to invest in all kinds of art. not just talking about paintings. stay with us. ♪ [ lorenzo ] i'm lorenzo.

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♪ gerri: i am here at the auction house, one of the oldest ones in the world. one of the best known. we are talking about art as an alternative investment with patty. people want to invest in art, and they saw that sales of jackson pollock 58 million. they thought, that is not a game i can play in. what does that tell you? >> it was an outstanding result in a spectacular release of auctions. over a billion dollars worth of contemporary art was sold at auction. gerri: that is a lot.

>> i was very involved in the original sale of that painting at auction in 1992 when it made two and a half million. so that turns out to be a 16 and a half percent compound annual growth rate, which is a phenomenal result. gerri: that is interesting because that is a big return for a lot of people out there. you say you had another piece that had similar returns, better returns. >> better returns. we sold a single painting by andy warhol that originally appeared at auction in 92 for $950,000. we sold it for 38 million, which is more than a 20% compound annual growth rate. and what that really tells me is that we had to let the sellers. now a lot of people out there are afraid it is a bubble. gerri: maybe things are too expensive and they should not bother plane. what do you say? >> we have to remember that the art market -- all of the news is with contemporary art, but it is at least 50 different sub markets. so our advice is alw something that you loved and

learn about it. some people i interested in the next great thing, which will sell for relatively low prices. others will only wand blue-chip works by established artists. gerri: us take a look at this peace because this is an interesting piece. tell us about this. >> this is a piece of contemporary design by an artist . set the world record price for a work of contemporary design with another example, something called the law to announce which we sold for over $2 million tunnel which is a phenomenal result. gerri: a lot of people think of art as an investment. should you be picking on the basis of what you think will appreciate what you would like to have in your house? >> art has intrinsic value. what you want is for it to hold its value or to appreciate over time. a 16 and a half percent or 20% compound annual growth rate is an extraordinary results. not everyone is going to get that. here is a piece, for example, in his home, something that he

lived with. that makes the work a little it more valuable benefits that come from someplace else. gerri: do you need to get professional advice? if you're going to invest should you get professional help? >> we urge people to get professional advice. so much information, so much more than there ever was on line. auction houses love to provide information. our specialists have a wealth of knowledge. purposeful advisers will point out issues like condition, rarity, provenance, authenticity concerns that can help inform your collectors. after the stock-market crash and it does a then made a brief return. people wanted the security of brand names that they knew. picasso, for example. since then, post war contemporaries. look at what we are selling in our design auction next week. it is a contemporary.

another category where contemporary photographers have really taken off. photographs by sandy sherman. $4 million at auction. that never used happen. gerri: i have an important question. you are an expert, so you can answer this. are you better off financially investing in art or stocks? [laughter] i would say to you, if you're lucky you will get a return like their return on our wall whole or the return on pollock. if not you would get the pleasure of enjoying something under waller table. i don't know anybody who really gets pleasure looking at the stock certificates. ♪ gerri: thanks, patti, and philips for showing us how to invest in art. if you want to get started, philips is holding an auction in new york city this tuesday. patty practices what she preaches.

she comes from a family of antique dealers and was raised to put her money into items like art and antiques. she does not own stock. unbelievable. gerri: coming up later, we will have more offbeat investment on how you can become your own bank. and skip the middleman. ♪ gerri: and coming up next, an irs boldly goes where many from his agency had gone this week on capitol hill, as it tries to explain why the irs into ridiculous amount of money on things like a star trek spoofed. hear from mr. spock after the break. ♪ we know a place where tossing and turng have

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od. helping the world keep promises. ♪ >> from our fox business studios in new york coming here again is gerri willis. gerri: president obama reshuffling his national security team this week. naming you in ambassador susan rice says his national security advisor. on lou dobbs tonight last night

conservative columnist ann coulter slammed be appointed as a slap in the face. >> you think there was politics in the appointment. >> it reminds me of the clinton era when he distracted from one scandal by starting a new one. i mean, what the republicans opposed to do with this? all over tv lying about the video being the cause of that attack on our ambassador and the death of four americans in benghazi. over and over again she was promoting will we now know to be an absolute lie. gerri: great interview. lou joins me now. what are you talking about tonight? >> we will be talking about that controversial appointment and the peculiar timing of it all. yet, national security advisor, one of the architects of the administration's pick to asia. tomorrow the president is meeting with the chinese president, a major topic of

conversation will be the unrelenting chinese several attacks against american interest. we take all of that up tonight. admiral james lyon. tony perkins tonight at the top of the hour. we will reveal for the first time how the internal revenue service targeted his organization. steven haze, chris speyer wall on these latest scandals developing out of washington d.c. that's right. as you know, there -- there are even more. gerri: i cannot count that high. [laughter] gerri: we will count them nonetheless. gerri: good for you. we look for to seeing you at the top of the hour. thank you for that. >> thanks. gerri: from one white house scandal to another, one of the stars of the infamous irs star trek perry video apologizing for his role at a house hearing. defending the actions of others. rich edson in washington d.c. -- washington d.c. with the details >> reporter: good evening. the actor who most recently

portrayed him, the commissioner of the small business and self-employed division at the internal revenue service. this video opened a 2010 irs conference in anaheim, california. taxpayers spent more than $4 million on that conference, more than $50,000 on videos like this, $17,000 on the motivational artist, and an additional 64 grand on gifts fo@ employees, including miniature stuffed animals, plants exporting fish, and miniature, bendable, plastic figures. the spot actor acknowledged there were better uses for government money and apologized. lawmakers just could not get over that star trek video. >> i know many examples, we will discuss them today. like the ridiculous star trek video. i swear to god to my have looked at that video over and over again. i swear, i do not see their redeeming value. and --

[laughter] i was up at 3:00 this morning watching it because i was trying to get to the redeeming value. i could not get there. i worked hard at it. >> it is an insult to the memory of star trek. >> my favorite, insulting to the memory of star trek. overall conference spending in 2009 the irs been nearly $10 million on conferences. by 08 that tripled and hit 37 million in 2010. the year of the anaheim conference. fell to less than 5 million in the fiscal year last year. there are of you hearing topics on capitol hill to unite democrats and republicans like this. this morning is just another bipartisan scolding for the irs. lawmakers have plenty to criticize. overall $49 million for 225 conferences over just two years. gerri: i cannot get over this story. i mean, in the first place why

are you flying irs employees to anaheim? these are people who can get together on a conference call. and the little square feet things that they give them, all of the little gifts. it is out of control. and you know what the man is taking our attention off of what should be the price which is the targeting of conservative groups the latest? >> over such committee republicans say two irs employees in cincinnati to congressional investigators the officials here in washington helped direct the targeting of those conservative groups. the committee's top democratic congressman, congressman elisa cummings, he says republicans are cherry picking information in a desperate attempt to link the white house to the irs targeting. congressional committees are continuing their investigation. we expect to hear more about this in the coming weeks. gerri: i cannot imagine that it can get any worse. i am always surprised. thank you for that. good to see you. >> thanks. gerri: well, when we come back

forget stapling your stomach. you don't have to do that buried the new trend in weight loss involves your time. we will have the details. i kid you not. next, we continue our look at offbeat investment with tips on how you can become your own bank, ways to skip the middle man and make some cash. stay with us. ♪

gerri: all day long we have been talking about how you can make money in different ways. of the ways. here is another one. a website that has been called match dot com for banking matching borrowers and lenders and cuts out the banks. it is where you why the bank. just like the banks, you can make great returns by directly lending money to people you don't even know. to help guide us through it all, president of ross of bed and visors. i will be honest with you.

i am just a little skeptical about this. you say you made a ton of money doing this, having invested some 300,001 of these things burning 10%. i have to tell you, getting a 10% payment every year is pretty impressive. how does this work? >> at first glance what lending club does seems very conventional. borrowers are applying for loans, typically three or five-year loans. and lenders have the opportunity to pick which ones they want to find. what makes lending club unique is that they fractionalized the loans. they're taking these loans and slicing them into $25 increments this means investors with as little as $10,000 can participate in as many as 400 loans. with that kind of diversification the lot numbers on your side. gerri: you can get involved at just about any level you want to is all the bedding of the bar or on my shoulders as an investor?

>> it is really not. and probably the easiest way to invest is to allow lending club or prosper themselves to develop a diversified portfolio for you that way you don't have to do the underwriting yourself. they do, and you choose a target returns level and let them back the loans. gerri: it sounds so dicey. i don't even know these people. had one of it will repay me? >> it is something that the credit-card industry has been familiar with for a long time. 85 percent of these loans are credit card consolidation loans. credit cards are something thht americans have been paying back for a very long time. this is essentially a way for individual investors to make the kinds of returns in credit cards that the banks have been making for a very long time. gerri: i want to share some numbers that go to your point. fewer than 10 percent of the loans that are requested are peeved -- approved. not everybody who walks through the front door gets a loan. lending club is actually lending almost 2 billion since 2007.

net returns, between 8% and 11%. let me tell you, if you have been clipping coupons, if you have been a bond investor, you see what is going on. what could be a trage the corner if interest rates spike. this might be something that people want to think about. >> i think it is very attractive. these types of returns for short duration debt instruments just are not achievable loss where. you know, this is probably something that most people should consider. gerri: quickly, how long do i have to wait? i mean, it is a loan. it could be years and years and years. >> it is true. your loan and real people money and they are really paying you back, typically between three and five years. if you need the money in a hurry there is a secondary market for these notes. you can get liquid on them, and in many cases you make a small profit. gerri: are they paying me directly or does it go through companies like lending club? >> it goes through lending club, through their bank and directly

into your lending club account which you have access to their night. gerri: you mentioned people who are doing credit card consolidation. small companies that are also needing money and asking for money on these obsessed? >> there are. some small businesses to borrow money in this fashion. of course there are other businesses to other companies similar to london club med to make small-business loans. we are talking about is a revolution in banking itself. people on the money to other people without the banks. gerri: i guess the fact that you will is getting in on this tells you something. thank you for coming on. great to see you. >> seabed. gerri: still to come to my "2 cents more" and from fad diet center surgery's. people will go to extremes to lose weight. we will tell you about a new operation that involves your time to lose weight. no kidding. ♪

gerri: coming up, we examine the latest extreme diet craze which involves having a patch states down to your tongue. yak.

♪ gerri: the new fad in weight loss. you won't believe it. having a plastic patch sewn onto your tongue. that makes it impossible to eat solid food. the procedure has led to patients losing up to 30 pounds in one month. it is being called a miracle of, but is it dangerous? with more on this, an internist in medical weight-loss specialist. it sounds appalling to me. what do you make of it? >> i was flabbergasted when i read the story. this cannot believe that a physician would do this. this is such a drastic, extreme procedure.

does not work. gerri: we just said that people lose 30 pounds in a month. >> i would seriously doubt that. i talked to governor christie. he was a huge man, weighing 350 pounds. maybe you lost 40 pounds. how could someone lose 30 pounds ? i just that it. gerri: i don't understand how you could live your life day-to-day with something on your tongue all the time. >> it is horrible, very painful, trouble talking. they are in pain most of the day. of course, the purpose of this is they cannot be solid food. gerri: doesn't that hurt you physically if you are not taking in the right kind of food and vitamins? >> of course it can. how could these people even swallow vitamins? is blessed surgeon who is doing this out in beverly hills is supposedly also running away loss clinic. now, does he have any training in medical weight-loss? was seriously doubt that. this is the thing, they can only leave this patch on the tongue after a century and for about a

month. then it has to be removed because if it is not removed tissue grows over it and then it will actually become part of the tongue. gerri: can use wallow? >> possibly i guess if it becomes dislodged. gerri: you mentioned this l.a. doctor. here is what he had to say. i think i am passing this correctly. an alternative to more drastic weight-loss methods such as gastric bypass surgery. those methods are extremely expensive with an average cost at 14 to 15,018,000 to 305,000. $2,000. what is wrong with that? >> it does not make sense because when you are getting the gastric bypass that is with you for a long time until you choose to get it reversed. this time patches note is only there for a month and then it has to be removed. you are only drinking liquids for a month. what about using appetite suppressants? going to a medical weight-loss

specialist. >> i think these people never losing fat. there probably losing a lot of water and a lot of muscle. gerri: even if you lose that 30 pounds a month it's all coming back. >> it's all going to come back. popular in venezuela. duty obsessed society. as you know, little girls starting at the age of to our training for beauty contest. anything goes. totally different culture. i am concerned for their health, at least this plastic surgeon knows how to so anti. in venezuela, who knows. very drastic. gerri: thank you for coming on. always great to here from you. >> to see you. gerri: on to the stay in business history. in 1974 of the best-selling

video games of all time, well, we're not going to do this stay in business history. you'll leave until later. we will be right back with my "2 cents more." stay with us. ♪ vo: traveling you definite end up meeting a lot more people but

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>> mortgage rates are low as you know, but they are creeping higher passing up 4%. does that keep you from buying a home? 15% said yes, and 85% said no. log on for the online question every weekday. here's e-mails, david from north carolina writes, the great state of norrh carolina writes, hospitals have no alternative than to raise costs, they are slaves to hhs and the feds. ken from missouri says, great show on health care costs, flipping channels, and you hit the nail op the head. i'll tune in for the show. thanks for the great analysis and no propaganda. we specialize in no propaganda. e-mail me at gerriwillis.com.

watching the 10-year-old and her mother beg for consideration to receive a lung from the adult donor list has been heart wrenching. unlikely sarah would receive a list from the under 12 list because there's few donors in that category. they urged officials to make an exception as her daughter's condition is worse and worse. a judge agreed and put her on the list, but a hearing is scheduled later this month that could call the decision into the question. is that the end of the story? far from it. by yo ethics and others raise questions about the fairness of the ruling. what about those already on the list? even though we have not seen the faces in television packages or newspaper covers, their plight is no less pressing. the workers of the donor list is a mystery to us. what is clear is this, there's not enough organs to go around. a simple thing would be organ

donation the law of the land unless they opt out for whatever reason, a friend of mine watched in horror as her brother bid for a new heart and failed. she says the system does not work and failed. here's what the fox news contributor told us, eliminating delays main taping the best medical care for the patients must be a priority. in my family, author battled heart disease for two years. with weeks to live, there was no heart to save him. sad story. we know there is a better policy for organ donation. we should make that change that could save thousands of lives. that's my two cents more. coming up tomorrow, we go in fashion at one of the top luxury handbag manufacturers located here in new york city. the vice president of the bical explain why they want the made in the usa label. that's all for tonight. thanks for joining us.

dvr the show if you can't catch us live. have a great night. see you back here tomorrow. ♪ lou: good evening, everybody, and thank you for being with us. breaking news at this hour. the washington post reports that the national security agency and the fbi are mining the servers of nine leading u.s. internet companies. the highly classified program is code name prism revealed to the washington post by an unnamed source. the agency's extracting audio, video, photographs, and e-mail to track a person's movements and contacts the washington post reports. the technology companies participating knowingly including microsoft, yahoo, google, facebook, pal talk, aol, skype, youtube, and app