the fund's pspecs contains its investment objectives, risks, charges, expenses, and other impoant information d should be read and considered cefully before investing. foa current prospeus, visit etrade.com/mutualfun. lou: all of the rat traps that we just end up king for smarter as. welcome, everybody, i am neil cavuto. after all the scandal velations n these eaborate systems go after ba guys, the bad guys get smarter and avoid thm. congressman mike rogers isn't giving any specifics but he is saying that they are changing their behavior by apparentlynot using the chnologies on which are spying. whetherhat means we are not sending text meages, i frankly

have no idea, bu is prety clear that the bad guys are finding oter wys. so we are very much on the line. all of tse phone call breeches and e-mail breeches an text bridges and all of it for for nothing. the guy who leaked them, far from ere. edwards noted insking for protection from the chine government. i thinit's it is safe to say athe chinese will comply and it is probably not to his liking. to the military experts who say@ that that is what happe when stuff like this get out, the defense tt once it is out, we always have anoother way to move around. wayne sions is with us.

he has a hard handshake and he can crush you with that. [applaus >> l's get to it. onceethis gets released any smart bad guys going to finda way arund this, right >> absolutel not only a way around it, but in the past were either criminal organizations were terrorists found out, sometimes they find a way to track our comnities but dismantled organization with what they believed to be what we know about. not only do we have to find them again, but we have to figure out who to find and what networks and groups to find again. lou: you are saying tha he was a hro.

but no, he is t. how do you feel? >> i am confident that my position hasnly been strengthened sincee ound out that he's being debriefed by the intelligence apparatus. this is absolutely spot n when she says that it's very damaginn. because what is ut there in the uned states around d the world, the first thing that the do are using hum capabilies which are messages bei used and by runners aspposed to getting on the phone or getting on the internet. it is going to make our job much more diffilt, especiallyince we no longer ave te human intelligen capabilitieshat we once had.

neil: worthiest strategies or methods, the iphone records, were they crucial in tracking down bad guys? >> i guess we had this with the boston bombings and that did not stop the two brothers. >> i do not have inside informatioin this particular program. bubeing able to track the communications not only those within and passing tthe united states, bt is not a data is critical not only t identify and track and have insigh into what these organizaons are bombings and other actitiehe that we did not get ahead of. to go back and see what did we miss and how do we reestablish and get insight into possible future activ

nnil: i know you're talking about those o were hrmingus and wanted to do this to kill us. but i thinkthat it is a good thing that this came tlight. in the name of protecting us, my immediate reaction was what is this all about. so i'm going to ask you that. what the heck is this all about. say what you will about the bad guys and now we will find ways around it. why was this happening in the first placand to what end. how could it possiy be good. >> happily i will do so. >> i will say that the concerns are justified. i veno rason to think that

those americans feel the way you do, but they are not justified. i will telyou this. this goes back diectly ,-com,-com min my opinion, directly to not nly bruce allen, but te cia and at the nsa. because we have programs called coterintelligence risk indicars. ose are programshat a being consistently and constantly run against our own people. on to continue to monitor them th a top-secret cleran. especially thosehat have access to intelligen and they need to continue to monitor. so they can find out if our standards have changed. that is where i have the biggest problem iwe wanto counter th, we have to many people talking outhat. we have 1.4 million aericans

ha the ability to dowhat sn today. but there are a lot of pele who have a lot of good. >> most people understand th they are compartmented. which means thathey e segregated. neil: you don't think they're more there are more like him? >> i hope that there are not a lot more like him. >> okay. well, maybe you can kick btt here. >> bcareful. >> i could imagine. thank you both very much. the congressman is trying to doesn't go overboard. weave a bill in th congressman is explaining what

th bill is about. >> thank you for having me on again. it is a bill that i'm working on with john conyers, he is the ranking democrats. we have a lot of cosnss and what we are trying to do is narrow the scope of the patriot acso that it is only targeting the people that we want to target, foeign agents. neil: how uld you now? >> you may not know that the innocent party is the culprit. >> under the way it is being interpreted, they e treating all americans hisay. that is why when you hear ths, it is being done unr the patriot act. whether that is being figured as releva information, en though all of those people and most of the people, most of them

have no ties to terrism. neil: as you know, i ay an expert on . [laughter] neil: i think i qualify. >> i think by trying to ld back on this sweping spying of everyone, you end up mising a lot of folks by bringing it back to justhe folks who you think are ptential people. >> we have a fourth amendment and we have to follow it. you can also eliminate all terrorism within the united states by having this. they can watch everyone'family all day. neil: i had joe lieberman on the phone and he was with me last night. you know, i n't getnto specifics, b i can tell you that this very pgram has led to troule.

you know, you never know. but now yourein it in. i am with you n thi heen knows what will come our way. >> you cannot use anecdotes to justify this. the reason the founders put in place s to protecc our rights. there is a balnce betwee security and libty. it is presented in the constitution andthe frth amendment.@ that is at we want to protect. it is important to note that a lot of members of congress aren't even gven acessto te law because the secret court opinions -- we do not know unless you are on this committe we do not know how the law is actually working. neil: will be part of the powwow ofth individuals? >> it as nt changed my mind.

if anythi, it has emboldened me.. we have classified briefings. there are ocuments that we would want access to. though that i'm worki on with representative conyers, itould provide us critical information so that we can represent our constituents. >> thank you, sir. >> thk you, neil. ne: i have not even gotten into the latest news tis week. as we have reprted, the very same law hat we are coming toto find that low-wage wkers, they can't afrd this. wasn that the int of wasn that the int of affordable health you hurtfeings, todd.

i did? when visa gnature asked everybody what upgraded experiences really mattered... you suggested luxury car service instd of "strength training with patrick willis." come on todd! flap em chicken wings. [ grunts well, i travel a lot and umm... [ me announcer at visa gnature, every upgradedxperience visa signature. your e of what a card should be.

>> there is nowhere to go. i represent this party. you said that the rent is too high. neil: i love that guy. where is this guy when yo need him? now, ppareny this heal care law talks aboutthe uninsured. d many we supposed to help caot afford it. going onto liz macdonald. scotty, that is incredible. >> it is ncredibleut expected. we knw that like all escalating problems, afrdab health care is just going to sit there. we aremaking surehat those who cannot afford it could.

neil: the other guys who don't part of is, they can't affore it. we turned everything upside >> it is so high and affordable that it may be out o reach. we have both sides to work out e kinks and now we have the irs it is going to dictate what is affordable and what is equate coverage as the wave of th future. neil: adam? >> i find this an amuing iea. >> what we have insteadis that this ce is unaffordable for some of the workers involved. becausthere was an exception

t in for some of t employers. this was an effortto make this easier3 this is a piece of legislation th needs wok. one among many things that nneds work. >> okay, augment or remove dust and make the insurance affordable. >> we are excusing a lot law that everyone work it out. when it comes loaded with 20 plus taxes. you could stop this train wreck even though itt is the law of the land. you could stop it nw and art start from scratch. getting it on track, it's already a train wreck. it never should have gotten out of the nation itself. health insurance is being

governed by the department of health and human services d the irs is policing it. why are we llowing is? nothing made sense about this bill. this is a political sta to try to sit here and take over. includg the orders of barack obama continuing to say that he has health care. @%ill literally put us in grave. >>kay, it kind of reminds me of this. the fact of the matter is that it has gaping wounds everywhere. >> and feels like that because it seems like there's ot of band-aids on it. i get it. but that is part of the problem the way that they rammed it through. it is very costly to do that, it puts a lot of this on the irs.

it makes lot of miskes that we know and also medicare and a host of other things that the government asks us o do. >> i mean, re you goin to have the irs do this to the dree they planned to do it or are you going to find a way to make this more aordable so more participate because you make an exemption for a lot of them. you take that away, part-time, fu-time. you see what i'm gettingt. you have to undo a lot of this. >> why not look back and say that isot worth it. try it from scratch >> well, i'm thinking of a compprison part of the public works project. you cannoun- dig the ditches. i'm not saying this is a perfect piece of legislatio

if we had aumber of people who are getting heal insurance, which is one of the achievements of thelegslation, or killer on the otr hand, i understand that you all would like to kill it. i think let's make it better. >> i would just say this. these arthe basic points that we have disrupted and upended our entire health care system. we are pretty satisfied with that coverage. for the 10%%who did not, we are not always so keen on this. some are not interested on taking it on. others cannot afford it. all of that forwhat >> well, that is the thing that we have to look at. we did this to help o economm. but we have seen is that people are not hiring full-time

employees because people are having twor three part-time jobs because their bosses cannot afford obamacare we are seeing the unemployment lines growing because obamace and we are going too see it even more. neil: you would think that adam would feel guilty, but he does not. >> we did it to give more eople access to health care. neil: all of those 10 they generally weren't always into it. but the boom line is for what? >> i would just say that we are not done. >> but we shou never have let itstart. neil: in the meantime, quit neil: in the meantime, quit complaining about the nsa. there is a pursuit we all share. a better life for your family, a better opportunity for your business,

a better legacy to leave the world. we have always believed in this pursuit, riving to bring insight to every investment, and integrity to every plan. we are morgan stanley. and we're ready to work for you. from capital one... boris earns limited rewards for his small business. can i get the smith contract, ea?

ank you. that's three new paper shredders. [ boris ] put 'em on my spark card. [ garth ] boris' small busess earns 2% cash back on every pchase every day. greabusinesses deserve unlimited rewards. read back the chicken's testimony, please. "buk, buk, bukka!" [ male announcer ] t the spark business card from capital one and earn unlimited rewards. choose 2% cash back or double miles on every purchase every day. told you i'd get half. what's in your walle

neil: the next time you are asked whether you should agree to the terms and condiions coming you better read all of them. one e of my favore lawyers says this whole nsa right to spy on to is etty much all spelledts out there. a teeny tiny black-and-white. >> on the one hand at it like you agree to this. on the other hand it is all in e namef national security. >> where did i agree to this? >> somewhere in the 20 or 30 or 40 pages that you need triple sized magnifying glass to read, it is in there. but it is so easy these days he

just click on a button. ne: nowhere did it say the nsa can spy on you. but to your point, there are a lot of vue references to the second and third pares. >> we reserve the right. neil: yes, we reserve the right and that is a populaa line. they say that any timm we do this, it will be o this. well, there you go. i mean, it is amazing d we take it for granted. >> but if we don't sign that are kept at. >> we don't t say that. >> only until there is a problem. once you havea roblem in the attorney general's acent, but

coumer would actually be able to rd that. it is part of an agreement and you have to agreto make it veryeasy foromeone to read it and understand it and conspicuous enoughhthat it is very importa that we pay attention. neil: you know, it is actually spelled out that you signed up for th. but doesn say that you ght have tis where you will have to deal with it. but it is such a broad overview such a warning heads up that almost anything can happen, incling getting attacked by aliens. you should just deal with it. >> your liability, ande see %-go right to theeagreement. go to the ticket. there are and limitatis off liability.

>> there are many people who are curiou >> so now whado you say to americans? >> someone should step uto t plate and say that i am going to create a new company whereyou don't have to agree to this. and if anyone makes me, i'm going to say thathisis america anyou better have a court order signed by a judge. neil: i'm going to make them sign aagreement for me. >> well, maybe two cups and a string will be you phones. [laughter] 's the one ihate lawyers, not like you, but i do hate them. [laughter] il: thank you so mch. well, we are trying to keep

track of these individuals at the is. will our next guest will talk about this coming out next i want to make things more secure. [ whirring ] [ dog barks ] i want to treat mo dogs. ♪ ourusiness ds more cases. [ male announcer ] where do you want to take yr business? i need help selng art. [ male announcer ] from oadband to web hosting to mobile apps, small business solutions from at&t havthe secuty you need to get you there. call us. we can show you how at&t solutions can help you do what you do... even better. ♪

cling the deal, or just having fun tonight. you want a hotel room at an amazing price. tonight. impossible? not anymore. downld e free hotel tight app to book roo in over 85 cities around the world. when get rooms that would otherwise go empty,

you get the best rates, guaranteed. so with three taps and a swi, you can book a great room for a great price. download hotel tonight free then sign up with promo code "deal" for $25 off your first booking. neil: we are fixing what you think is just an oil leak.

your brakes aregone. your catalyic converter, maybe ditch the car? between targetingersonal health records andthose refusing credit cards, maybe just dch the irs. we have melissa fncis here. there is a lot of craziness. >> it is out of contl and no one would like to gerid of th more than i would. please do not bo me neil: look at you. aughter] >> that is right. obviously it is not ing to happen. but it seems like every cinet we open here, somehing else comes up. more than a thousand cases in the past two yrs, they have employees who misuse their corporate credit card for the

irs. they didn't have enough funds in the accounto cover it, they did all these things. and then they found that they weren't even punishing th for that they were more lenient wit their emplers and their employees were with the taxper. neil: do you think any of this -- and we talk about a l of conservative tea prty tions the. >> i wish. >> i don't think we will see much of this. >> people keep saying that we have all of these hearings. we are going to have a big reform. i don't thk that's going to happen. this is the problem with government. this is why we don't wt government -- he erson has to be sitting there for it to be spt properly. th are invisible hdlers. that is why pitalism works.

so if the guy who owns the store isn't there very often, more candy goes missing. the guy who was working tere -- neil: f yu are charging $5 for a pack of gum, some people would steal it. >> i don't tink we get to the fundtal problem at times great if we don't do that, none of this will change thneil:yes. >> it was the same thing where we saw headlines of what was going on with our taxpayer money. you laugh and thenyou cried. neil: so this is kind of frittered away? >> probably not eventhat. don't think a lot changes. i think that this is the fundamental problem with government. youput peole in charge monitor other people and corption kes over. >> we forget th right after

watergate, there were all of these, you know, the laws and new rules that were put in. >> they are far away inn washgton. you can see what these peopl are doing. otherwise it gets out of ntrol and it ihuman nature. you cannot help it. neil: lissa francis, thank u so much. this just in, microsoft. excel is coming to the iphone. and the rest comes with it. and the rest comes with it. actually the heat may have [ male aouncer ] in your lietime, you will lose 3ets of keys 4 cell phones 7 socks and 6 weeksf sleep but one thing you don't want to lose is any more tee. if you wear a partial, you are almost twice as likely to lose your supporting teeth. new poligrip and polident for partials 'seal and protect' helps minimize stress, which may dage supporting teeth, by stabilizing your partial.

and 'clean and protect' kills odor-causing bacteria. care for your partial. help prect your natural teeth. a friend under water is somethg completely different.. i met a turtle friend today. avo: whatever you're looking for, expedia has more ways help you find yours. the most free research reports, customizable charts, powerful screening tools, and guaranteed 1-second trades. and at the center of it all is a surprisingly low price -- just $7.95. in fact, fidelity gives you lower trade commissions and etrade. i'm monica santiago of fidelity investments, and low fees andommissions

are another reason serious investors are choosing fidelity. now get 200 free trades when you open an aount. i work for 47 differt companies. well, technically i work for one. that company, the united states postal service® wos for thousands of home businesses. because at usps.com® you can pay, print and have your packages picked up for free. i can even drop off free boxes. i wear a lot of hats. well, technically i wear one. the u.s. postal service®, no business too small. neil: this just in. ape is not dead yet. that h not stopped it from hooking up wh microst in what could be a very big

development. ssecifically, microsoft suite of programs including word and excel are coming to an iphone near you. maybe that comesater with the ipad. we have a guest on whether this opening item confir that this is that of a copycat. what do you think? >> i think apple is a copycat. >> you are taking a product that everybody don't like, you are talking about losing market share. i don't understand why it is a bi deal. >> why don't you just play along >> let me show you how it is done. it is heinousbecause they have to choose this. they are in a position whre

google is the one ho is kiling them. they are killingng microsoft and apple at the same time. so apple has to make their hardware more exciting. that's i gave up on other things >> crrtical reviews. what do you think. are you buying this? >> no, i am not. how many are you going to give awayay? the businesses that are gning up, they have to wait a long time. they have toait a while to get eir money. it's a difficult situation. another competitor as well. that doesn't me sense, don't buy it. >> wthi it wll be he leader? >> yes, it will be because of mobile. whenou can have the global positioning th all of the smarphones, you're walkin by

them down the street. and ttey give you an offer. it is a 50% offer on something th y like and you get this, that model works because it's in the present. so this model will work. they do haveethis. and i do thnk that it is worth the $9. >> that is true. >> we have major news controversy this week. finally, if group on his bac upon, is this back on? it is hard pressed. you know, i lok at it and woul we make of whatthis is teing us? >> the nikkei is saying that

obvously when the japanese federal reserve started in september, they said look me in the eye, read my lips. it is going up and the n is going up very high. so everybody went into that trade. i think that a three bladed blind dog could do that. when the music stops, everybody went out the same door. the power of that includes that we will not have onemore run because of the money that we made. >> tt's an interesting point. thousan of miles from our own sure, i don't buy it. >> exactly. i know t because they are there part time every year. the thing is that the s&p50

has been directly correlat for a long time.@ what that means or peoe thinking about ben bernanke and how we are doing things here, w3 may not like to admit it, but it is critical to what i happening. neil: how many central banks are basis? so you're you are free tohat is going to happen? >> well, nish up. >> okay. >> if th back off, you will have to step up to a program that is three times the size of a proportional basis of wh it is doing here. >> it is a suicide mission for economics. th want to have nflation. if they are succesul in getting this, the intert rates are going to have to go up and they will lose value and then the whole thing crumbles.

so it is a mission and yet they have 5000 baby bmers are thee retiring a withdrawing money aad it is goingo end badly the. neil: okay we will see how it goes thank you bot somuch. this guy can be a free speech revolutionary. i want you to meeta forme i want you to meeta forme eech whistleblower. the pursuit of a better t tomorrow is something we l share. but who can help you find your own path? who can build you a plan, not just a pie chart? who can help keep your investments on coue, whatever lies ahead? that someone is a morgan stanley financial advisor.

and we're ready to work for you. at od, whatever business you're in, th the business we're th premium svice like onef the best on-time delivery records and a low claims ratio, we do whatever it takes make your business our busiss. odhelping the world keep promises.

neil: brookline is not sure what to make of edwards noted that he does know what could come of all the buzz cread.

because before, there wasa rtain unassuming technician. mark had discovered that the company was allowing the government to steal a loof customer data and further do so without a point. the company just did it again and again. that was sen years ago. it is pretty sobering stuff when i lo back at what you went through and wh you dealt with and what you warned us about. it got everyon involved and it continues. >> it with a legal backgrund. i still thinkii is illegal. it depends on how much outrage there is in the country.

congress is running scared. both parties are. neil: it can beshort-lived. it was in your case seven years ago. i do remembe quitewellthis outrage. but it did not last. i would think that his may have been enough for this stuff. >> it is because congress in both pties, reblican and democratic put a lid on mass by inclung the immunity bill that gave immunity to the phone companies. and then they made it look like ings were fixed. neil: so they essntiallytalked about this. we were knee-deep in iraq.e was

this was a primary concern. but we had eminders the summer before. ybe that was dominating the conversation. >> i think it is createdby the administration to make people scared. you know, but this did not happen in boston, didn't? >> no, idid not. do you see him as a misguided case? >> i think this man as a heroic figure who makes a principle stands for the constitution. thats perfectly clear. and here it is a great danger. and great while doing was

exposed. the. neil: that there was a pcess fothat. >> i don't know what it wasn your case. but ere an inspector general. have you noticed that we have over 100 million americans phe records and are oing this willy-nilly d we are increasing it. he learned from the experience of previous whistleblowers. he qit right after 9/11. he found out that therewas apparatus only on foreigners, but domestically as well. they raided hishouse. there was an individual whoent through channels, hewent through the inspector general.

he went to congressional committees. he was basically not listened to. ey were watching all this happen over the years and they realize that this gets you nowhere. you have to get out there and that isthe onlyreason and the only way we are having this conversation now. >> what is going to happen to him? >> i do not know. i suspect that they would like to caure him physically and bring him back to this country to have a god trial. >> i doot think thechinese will release him. >> oh, ihink that they will. they want o maintain good trade relations. >> and not but not before they get erything out of it can? >> that theoretically possible. i dot think it is part of this for trade reasons. >> okay. we thank you very much.

>> thank ou. >> not a moment too soon. never mind whether suerman will be a hit. what is going on with all of these scandals. i think that it alec, for this mission i upgraded your smart phone. ♪ right. but the most importan feature of all is... the capital one purchase eraser. i can redeem the double miles i earned with my venture card to erase recent travel purchases. d with a few clicks, this mission never happened. uhwhat's this button do? [ elecicity zaps ] ♪ you requested backu yes. s i did. what's in your wallet? how old is the olst person you've known? we gave people atier and had them show us. we leard a lot of us have known someone who's lived well into their 90s. and that's a greathing. but even though we're living lger, one thing that sn't changed much is the official retirement age. ♪

the question is how do you make sure you have the money you ed to enjoy allf these years. ♪ folks have suffered from frequent heartburn but now, thanks to treing with prilosec otc, we don't have to suffer like they used to. [ beldings ] ♪ [orse innies ] getting heartburn and then treating day after day is a thing of the past. block the acid with prosec otc,

and don't get heartburn in the first place. we've surcome a long way. ♪ [ lennouncer ] one pill each moing. 24 hours. zero heartburn. [inaudible] >> he was coicted that the world wasn't ready. ne: biggest movie opening of all time. it is hard to say. i am betting that not only does this latest superman lok ood, but it comes atatime scandal weary americans are looking for anyone or anything.

>> the american people really are looking r heroesnd now we have the galup pol that shows that congress has its worst showing since 193. even some in the media rank higher. >> surprisingly, small businesses are the second most trusted institution. so it's really intesting. peopleewanto go to the movie and we don't have those superheroes in washington just yet. >> members of congress do not get to the on that same thing. they remind you more were they are basically easily manipulated and bendable and they make a ally big mess ask a long time to clean up. i believe that we will see things like obamacare.

>> someone did a little analogy. i always wondered about some movies that come hits at different time. the last superman incarnation. m wondering whether the environment actually help a character like this. >> i do not doubt i. th history of th oppression, we had all of these ric people living a happy life people wanted to be plifted by those stories. we have a lot of problems in our soety and in our economy right now. i do not doubt that people do want to hearhis. i think it is unrealistic f them to one congress or individual congresspple to be their heroes. the system just isn't set up for this collective body to produce a hero. i don't think therare any easy aners to the problem might not. neil: no one was expecting this.

no one was expecting it at all. so be we stuled upon it when we least expectit. >> i agr with adam. i think that they're our heroe out there. and they do show up inhe campaign trail and they are wrote. when they get into the system, something turnsome awy from what they innded tt do when they first st out the. neil: what do uhink? >> i think that the system is set up for them no toemerge as heroes. that is not a bad thing. we elect them togo to washington and fight for us. i agree that things are not workinas well as we wish that they would. b it is going to be confrontational. it is going to be my. is not set up for one person toise up and say, i will solve all of thisfor you.

>> we have had a lot of people do this. >> at themome you do not realize this. >> we are blaming the politicians and we elected a rockstar president. let's honestly look at it and say if we had more lois lanes in the media, doing iestigave urnalism, holdg these elected officials to their stanrds,e would be living in anotr plce. neil: i don't think that in this test supern movie, clak kent isn't the repoer. >> that is very od.

>> i think it wasy desi. i don't think they have any attachment to this. get that o of there. neil: i always wonder how this works. >> how long does it take tem? >> you know, that is interestin >> you know,you two are very knowledgeable about the film. i ven't seen it yet. but i would really take great issue with this. neil: i have turned on the rt of madame. >> i get that. >> and even thoughur industry is having such a hard time making money, i tnk we have a

vibranmedia that is investigating everythi. we have good journalists. we have bad journalists. >> exactly. the. neil: they are backing away. even as this has exploited, it's a fraction of what itwas. neil: scotty, bottom line. >> i think that they will be okay. honestly, i am rlly not happy that they switched it around too much. superman is a classic. when you take them out foreing a journalist and you make him to be a fisherman, i think there i something wrong. neil: at adam? >> i would like to see t.

you have me excited about this movie. neil: everyonehave a wonderful ween the great father'sed may scale backurchases in the nextew meetings. melissa frances is next. ♪ melissa: i'm melissa francis, and here is what is "money" tonight. u.s. weapons are on theiway to syri rebels. a no-fly zone may be rightt3 behind them. the red line has beenross. how high will the price tag go for u.s. intervention? should companies be forced to pay intns? a landmark ruling may have killed unpaid internships forever. al a stampe of lawits is headed for businesses everywhere , a who made money today? they're making a bang with record sales. stay tuned to find out who that is. the villain is a it's not, it's always about "money." ♪