>> do i believe that that should be a guarantee for everyone? at think that is a much bigger question. charles: by the way, you were fantastic. audience, will see you tomorrow. thanks for watching everybody, m gerri will. tonight on "the willis report," a user's guide to health care. facts you need to foe that your -- know that your health insurer won't tell you. also, how do you do that? we'll tell you the right way to rebalance those red hot index funds in your retirement count. and don't get taken for a ride, nsumer reports is here to warn us of the five-car repair myth. we're watching out for you tonight on "the willis report." ♪ ♪ gerri: all that and more coming up including the first in our series of special reports on health care.

very excited about this one. we're calling it the user's guide to your health care. i'm going to be giving you the tips, the tools and the strategies you can use right now to help you better understand and take control of your health care including, of course, savingoney. among the issues we're exploring tonight, are you getng the most from your insurer? i spoke to dr. pamela galen about this she's a working mom, practicing if and author of the book "how to survive your doctor's care." we talked about the run around some insurance companies can give people. here's a quick preview. take a listen. >> the al here is not to reimpurse the provider and, in turn, the patient. so the first one is we've lost your paperwork, or you didn't fill it out correctly. another one is you're not covered anyway and, therefore, we will not reimburse you. and the other is your doctor did it wrong. gerri: we'll have a lot more coming up tonight on our user's guide to health care. and join the conversation on twitter using the hashtag

gerri's user's guide. check it out. and i started posting a ton of just terrific info on gerri willis.com. so be sure to check that out. we're going to be talking about everything from choosing a doctor to cutting your health care bill to even just reading your health care bill. we know it takes a lot of time to do all of that and, of course, we're going to give you the guide to doing each and everone of those things including h to get the most from your insurer. but fst, aecord amount of cash is pouring into an investment boasting high yields and limited rate risk. i'm talking about bank loa. but this is -- is this a smart move for your money? joining me now, j cox, managing partner for harris financial group and phillip silverman, managing partner for king's view capital. i think we've only got e of you, do i have that right? is it you, jamie? >> yeah, i'm jamie. yes, ma'am, i'm here. gerri: all right, i think phil's coming in in just a second. but i want to start wit these

floating rate bond funds. so it's the debt of companies that are having trouble paying back a lot of debt, they're paying high yields at a time that investors are just desperate r a yield. what do you make of them? >> well, first thing investors need to understand that high yield, floating rate, all of these things by definition are below invesestment grade. that's very, very important. what that means is the companies have to pay a higher interest rate for investors to loan them money, and there are two categori which you can do it. you n do a fixed, you know, high-yield bond which is what most people buy, or you can have a loan that ahas a fixed percentage of that loan that has a stated interest rate, but the rest floats on some metric on top of it. interest rates have fallen, those floating rate bonds haae become less valuable because the interest rates are lower than their brethren on the other side. however, in march all of a sudden the interest rates on high-yield bonds, if you look at

the price of the bonds versus the interest rate, they actually dropped below the interest rates on floating rate for the first time -- gerri: all right, well, jamie, i appreciate your explanation, but welso want to get phil into this sment. phil silverman is joining us now. we're talking about some of the benefits of these floating rate corporate bond funds, and i think a lot of people a looking at them because they're desperate for yield, but as jamie was pointing out, you know, this is variable. this is a floating rate fund at the end of the day. i think right now it might be something to look at especially when youonsider that most folks think rates are going to go up. >> yeah, i absoluty agree. i think they're anntegral part of an investor's fixed income portfolio. a couple of tngs that are important is they do flow, so as the interest rates go up, the interest they'llay will increase. but you need to remember they're fixed to short-term interest rates. so when we've seen intere rates recently g up, which is a loer term interest rate, these haven't benefited. but we know the short-term

interest rates are going to go up at some point in the future. they can't go down. so i think it's a great -- and the other thing is even though they are considered not investmentrade in some aspects, the reality is that they're often senior to the other bonds in the company and so they tend to be backed by assets that the coany have, so they're not as risky as some high-yield bonds. gerri: jamie, you were starting to say that. these remind people of junk bonds, but they're not. how are they different, nd are we going to be talking about junk bonds? some people are saying t rid of this floating rate securities and instead buy junk bonds. what do youlike best? >> all the portfolio magers we've been listening to have been sort of anti-high yield en the yield spreads were really, really tight, but all of a sudden now that they've widened back out, opportunities have presented themselves. so people are looking at both sides. in my view as an investor of both, i think that the floating rate represents the best opportuny because as interest

rates rise, high-yield bonds by definition with that fixed intere rate could become less valuable. but at we do here is there is a certain sleeve of high yield. the below but triple d double c, that's what i'm hearing. all the portfolio managers tell me that's the place to be in high yield, so it's the junkest of the junk where they want to be. most individual investors buy these things, they need to be very careful. don't buy them in etfs. gerri: phil, do you agree the junkiest of the junk is the best? >> well, they'y're buying the os that have gotten beaten up the most in the last month or two. so those are the ones that have gotten beaten up the most, so they have the most opportunity for a bounce. that's where the high yield guys are going because the floating rate loans haven't been affected by the move in interest rates. gerri: jamie, how do you pick a fund in this category? what's the way to go about it? there are some 40 funds. >> there's all kinds ofhem. in fact, a new one just came out, double line has introduced

one in june. what i was saying before, etfs, you can buy them in funds, i think you nee to stay as far away from bond etfs as you can. etfs have short-term bias, bad idea. but you need to pay attention to people who specialize in bonds. you don't want to pick the floating rate fund of an equity manager, for example, if that's their specialty. gerri: well, absolutely not. i agree with that. phii, to you, you have specific funds you want to recommend here. what would you say? >> yeah. there's a spider fund that's managed by gso that's a loan fund, and they're excellent in the space, and i think they would be a great fund to buy. gerri: all right. great, guy jamie and phillip, thanks for comi on and explaining this, it's drawing so much attention right now. thanks to both of you. >> thank you. >> thanks very much. gerri: well, from the bnd market to the housing market also tonight growing calls to pull the plug on fannie mae and freddie mac.

house republicans are pushing efforts to unwind fannie mae and freddie mac from the government. with more on this, republican congressman the chairman of the housing and insurance subcommittee. congressman, thanks for coming back on the show. it's always good to see you. now, telme why you believe it's so important to unwind these gses. >> well, gerri, first of all, than for having me back on the program. what happened after 2008 we basically have nationalized the housing finance market in this country. nine out of every ten mortgages in this country now are guaranteed by the american taxpayers. if we're going to have a good, strong housing market in the future, we have to have a sustainable housing finance market, and right now the government is in control of the housing finance market. gerri: that's right. ll, you know, i was looking at numbers over the weekend, and apparently when you consider the gses, fannie and freie and the fha together, they're guaranteeing 85% of the market or standin behnd 99% of all the loans. so let's see now, we had all the

form from dodd-frank, we had $200 billion to bail out fannie and freddie, and where are we? the government still controlling this marketplace. how do you unwind these two massive institutions? >> ll, what we're going to do is we' going to dohree things here. one, we're going to bring fha back to its more traditional role. toy they have higher lending limits than the gses, so we're going to brring them back to the traditiol levels of first-time home buyers and low to moderate income. then the other is we're going to wind down the gses and at the same token creating some space for private label and private investment to come back in the housing finance market. doing these three things will make a more sustainable housi finance market. gerri: congressman, how much time do you give them? a lot of people out there, critics of winding these institutions down say you can't get rid of them pronto because theousing market would collapse. what do you say?

>> i don't -- that's not true. the housing market is getting better and what we're talking about doing is making some adjustments to the housing finance market. we're not talking about cutting off all the housing finance. but we are going to bring the private market back. we think that brings more competitn into the market. we think that, ultimately, that begins better pricing for homeowners which is, obviously, helps for with home ownership. gerri: well, that's what we're looking for, right? to help out homeowners and not be a drag on the market as, ultimately, these government agencies were. i've got to tell you, if you look at what voters say out there, they're behind you. 52% in favor of phasing out fannie andfreddie. they don't like it. 32% oppose the idea. here's wh i don't understand. every report i've read about yourill says it's going to go noere. why when the american people stand right behind you? >> well, i think those people that say it's going nowhere need to understand just what you just said, and that is that the american people are behind this. you know what happens, and the american people are tired of these booms and bust, and it

hurts homeowners and taxpayers, and what happens when we have these is that we've got these hard working amecans that are making their own house payment, then they found out they're going to have to maybe their neighbor's house payment. they don't think that's a good idea. gerri: no, they don' i want to talk to you about something that's in washington that i think could be a problem going forward for the housing market, and that's melvin watt. he is a republican -- the democratic congressman from north carolina who may run fha. he's been proposed the administration to take the place of dimarco. is this a good idea or is melvin watt and his history of being outspoken about home ownership, is that a bad thing? >> first of all, i want to say mr. dimarco has done an outstanding job and, you know, i'm sorry to see that the administration has decided to replace mr. dimarco. he buys into the idea that freddie and fannie need to begin to wind down. he undersnds that guaranteeing all these mortgages is not in

the best interests, you know? so if i had my first choice, while serve onhe financial services committee with mr. watt, i certainly think mr. demarco has done an outstanding job. gerri: well, i've got to tell you, a lo of ideas that were proposed from the administration on housing were turned down by ed demarco. we won't have that stop anymore once he goes, so it's a shame. congressman, thanks for coming on the show. gooduck with your bi. >> thank you, gerri. gerri: more to come this hour including advice for your 401(k), the best way to balance your investment. and the new trend spreading across the countr getting emergency care without dealing with waiting hours at the hospital. but is the price tag worth it? we're looking out for you and your money, coming up.

the average text takes your eyes off the road for nearly five seconds. [tires screeching] stop the texts. stop the wrecks. visit us at stoptextsstopwrecks.org. gerri:getting emergey care without the hassle of waiting for hours in an overcrowded waiting room, think of that. freestanding emergency rooms are a hot new trend across the u.s., but critics say the convenience comes for a price. the ceo of texas emergency care center, a 24-hour freestanding emergency room with thr locations in houston. rhonda, welcome tothe show. we've got lots of these cnters now, some 400 centers ilt in

the last four years. what's the big attraction? why are these centers being built so quickly? >> first of all, gerri, thank you for having many me on th show today. and, certainly, the reason these facilities are so popular and so important is because of the access to care anthe convenience to care. these facilities work. we offer an option to the public that a forears has been at the hospital room level. we've decided to fix what's been a longstanding problem. gerri: here's what i don't understand. so hospitals have emergency rooms, why do we need emergency rooms with no hospitals? what market niche are you filling? >> we're filling the niche that -- first of all, our freestanding emergency rooms are no different than a hospital-based emergency room. other than we're not physically attached to a hospital. we see all of the same patients that come to an emergency room whether it be a nonemergent, an

urgent or an emergent patie seeking treatment. the problem that we're fing is hospital-based emergency rooms have long standing been on 2, 4, of, 8, 10-hour waits. with the freestanding emergency room, we are taking the wait out of emergency care and giving the patient direct access to the physician in a more timely and effective manner. gerri: so you're not going walk into the emergency room and sit on your butt for four or five urs just waiting to be seen. you're going to get care, and you'reoing to get it quickly. now, rhonda, critics say that they're too expensive. what do you say to that? >> i say absolutely not.3 charge no differently than hospital-based emergency rooms. often times our bills are 10, 15% less than the hospital-based emergency room. what we are fixing is access to health care, so because we have more emergency rooms available for patnts to be seen, there are more patients being treated by physicians. that's where the increased cost

is. the increased cost -- gerri: here's my confusion because people who go into the centers and don' have health care insurance so they're paying out of their own pocket, they're seeing the bill, they're paying the bill, they say they're surprised at the cost of the services. why would that be if you say that your prices are 10-15% below competitors? >> if you look at the same bill side by side, if that same patient walked into the hospital-based emergency room, they would get that same exact bill. they're seeing the same doctor, they're seeing the same nurse, they're getting the same cat scan, labs, x-ray. everything is identical. the misconception is because they're seeing and getting all of that treatment in a shorter amount of time, they're not seeing the need for the pricing. so they compare the 8-hour wait time is okay for an $800 emergency room bill, but when you're seen in 5 minute, you get the same treatment, the same diagnosis and you go home, or you're transferred to the hospital-based emergency room, the fee is the same, but the

coumer is not seeing the difference between t time-cost comparison. gerri: i think it's an interesting business, and we've seen a lot of innovation in health care over the last few years in part because of obamacare, companies trying to position themselves to being on the winning side once this bill is entirely put into pla. tell me, who are you targeting with these centers, and who do you think are going to be big fans of them, coming back time and again as they have to for emergency care? >> absolutely. in texas by law we have to see any patient that walks through our door, so i can't say we're targeting anybody. we are targeting the patient that wants to come in and be seen, get the same care, the same treatment they would in the same manner. we see patients that have surance, we see patients that have no insurance, we see patients that have governmental insurance whether it be medicare or medicaid. all of those patients are seen and treated in identical manner, in the identical manner. what we're targeting is just

getting the patient out of the hospital-based emergency room and being treated closer to home to where they can atually have access to care quicker than looking for an emergency room that may be 30 or 45 minutes away. the emergency room now is in thhir own backyard. gerri: well, it's an interesting model for health care. we cover health care extensively here. it's a pleasure to have you on the show, rhonda. thank you for coming on. >> thank you so much. gerri: coming up later, our user's guide to health care with rtant information your insurance company and, well, they may not want you to know. and next we answer the question how do you do that. we're helping you right a wrong with ways to balance your lopsided index funds, coming up. ♪ ♪ [ male announcer eligible for medicare? that's a good thing, but it doesn't cover everything. only about 80% of your part b medical expenses. the rest is up to you.

so consider an aarp medicare supplement insurance plan, insured by unitedhealthcare insurance company. like all standardized medicare supplement plans, they pick up some of what medicare doesn't pay. and save you up to thousands of dollars in out-of-pocket costs. call today to request a free decision guide to help you better understand what medicare is all about. and whh aarp medicare supplement plan works best for you. with these types of plans, you'll be able to visit any doctor or hospital that accepts medicare patients... plusthere are no networks, and you'll nevereed a referral to see specialist. there's a range of plans to choose from, too. and they all tvel with you. anywhere in the country. join the millions who have already enrolled in the only medicare supplement insurance plans endorsed by aarp, an organization serving the needs of people 50 and over for generations... and provided by unitedhealthcare insurance compan

which has over 30 years of experience behind it. call today. remember, medicare supplement insurance helps cover some of what medicare doesn't pay -- expenses that could rlly add up. these kinds of plans could save y up to thousands you'll be able choose any doctor who accepts medicare patients. and you never need referrals. so don't wait. with all the good years ahead, look for the experience and commitment to go the distance with you. call now to request your fe decision guide. this easy-to-understand guide will answer some of your questions, and help you find the aarp medicare supplemt plan that's right for you. gerri: have you check your 401(k)? those low cost index funds could be out of whack. how do we bal

gerri: index funds can be a great way to diversify your portfolio at a very low cost, but wh happens when your fund is loading up on so much of the wrong investment? joining me now with tips to keeping your funds diversified, the ceo and principal of personal wealth management. thanks for coming on the show, lou, it's great to have you here. one of the concerns i have i sometimes if you're buying one of these index funds and one of the s&p 500 companies le say, oh, apple has a big run, it becomes a big part of your index fund becau these things are market weighted, market cap weighted. what do you do about that? >> that's -- you have a difficulty with that. now, you can go short the fund

itself, bui don't know the average investor isn't going to do that. but you can buy an etf which is like the one the wisdom tree etfs which tends to emphasize earnings and so if your company's going crazy in price, it won't have as much impact on -- gerri: so weighted by earnis rather than weighted by market cap. >> correct. gerri: ok. well, that makes sense to me. you know, jack vogel, who invented index funds, for goodness sake, has been complaining about bond index funds lately because they're too heavily weighted for treasury. so what would you do in the case of a bond index fun which bond index fund would you buy? >> i would buy vanguard short term corporate. i think that he's got a very real point right now in which you know that government bonds are being squeezed down, and why

do you want to participate in a squeezed-down bond fund that's not going to perform as well as, say, corporates will? gerri: now, i unrstand that you do like index funds generally, and you think they're a good idea. is there an allocation mix that you like? >> yes. i would, for people who like index funds which means i don't want an investment manager, and i don't want to really be actively researching things, i think a 60% etf or mutual fund index, 40% active management works out very well. gerri: now, are you a big fan of the vanguard index funds, or which ones would you choose? >> yeah. well, i told you about wisdom tree, but i like vanguard. i think vanguard is sort of close the walmart of the business and very cost conscious

and give you a quality product. gerri: which is the point of of having an index fd aer all, having low cost. 60 index, 40 actively managed, why are you adding in the actively-managed portion of the -- >> well, at the current time we really have, the situation is somewhat precarious. you have about a 20% chance at we could go back into a recessionary mode which would really trip up a lot of people, but i myself believe that we're going to do better and exceed expectations in growth. and i believe that active managers know how to shift at crucial times i think index funds don't do as ll. gerri: interesting point. lew, thanks for coming on the show tonight, really appreciate your time. >> oh, enjoyed it. gerri: coming up, don't fall for the fake wi-fi. we'll explain that. next, we kick off our weeklong

user's guide to health care. how to get the most out of your health insurance. plus, we get your reaction. stay with us. ♪ ♪ weekdays are for rising to the challenge. they're the days to take care of business. when possibilities become reality. wi cenrylink as your trusted partner, our visionary cloud inastructure and global broadband network free you to focus on what matters. with ctom communications solutions and responsive, dedicated support, we constantly evolve to meet your needs. every day of the week. centurylink® your link to what's next.

[poof!] [clicks mouse] there's doughnuts in the confence room. there's doughnuts in the conference room. automatic discounts the moment you sign up. man: ♪ all, all, all in together now ♪ ♪ we can make it better now ♪ ♪ c'mon, can we do it? chorus: ♪ yeah, you know that we can! ♪ ♪ we'll ropit up ♪ 'cause we know how to jump ♪ ♪ we'll roll it out ♪ 'cause we know how to skate ♪

♪ we'll cut it down ♪ 'cause we know what to eat ♪ ♪ we'll swap it out ♪ we eat healthy stuff ♪ ♪an we do it? ♪ yeah, you know that we can! ♪ ♪ can we do it? announcer: just moving a little and eating better every day can help make you and your child healthier. search "we can" to find doable tips and activities that you can use every day.

[ whirring ] [ dog barks ] i want to treat mo dogs. ♪ our business needs more cases. [ male announcer ] where do you want to take your business? i need help selling art. [ male announcer ] from oadband to web hosting to mole apps, small business solutions from at&t have the security 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. ♪

gerri: heads up, consumers. they are creating fake wifi spots to get your credit card information. adam levin is with us, he is the chairman of identity theft 911. you do such a great job talking about these topics.

how come this hapens? >> it is becoming more and more common all the time. they do it in hotels to get information and they could be at the bar at the hotel, they could be at that conference the conference center were sitting next to you. gerri: how do they do this? how is it so easy that they can do this? >> a little hardware and software that a dead and they can for the next room and whatever and do it. what they do they is they make sure that it is the strongest signal in a particular area. a lot of people have their settings so that they automatically can and keep content connect to whatever the strongest wifi is. >> what is your advice to people? gerri: what is your advice to people? >> be set up a virtual private

network. you can get through work and sometimes through universities. they haven't that is available. what you need to do is also, f you're going to be staying in using the system at the hoel, ask every question you can and most particularly, what is the actual name of the system. gerri: you have to know what it is. you have to do something that is the name of the system. >> they could say something like free wifi. maybe they misspell the name, they had another word. so be precise and find out from the front desk or the information in your desk in your room. gerri: it is only fair. sometimes you're just in such a hurry. what is the information ey can gain if i get onto their network? >> they may be able to get now

wear on your computer, asking for all kinds of information, that is why always tell people try not to do banking or shopping wi any free wifi network. operate on a vpn or a secure network that you are familiar with. gerri: that makes a lot of sense. where else would you be at risk? where other plac do i go that i might be using an unsecured system that could put me in my information at risk? >> you are in a copy shop, a conference center, any one of those doing whatever you do. don't think it's your specific castle, it's more like a minefield. gerri: thank you for coming on. still to come, my "two cents more" and we are separating

fact from fiction when it comes to car maintenance. find out how not to fall into a trap that next time you take a car out. ♪ [ villain ] well mr. baldwin... it appears our journey has come to a delightful end. then i better use the capital one purchase eraser to redeem my venture miles for this trip. purchase eraser? it's the easy way to erase any recent travel expense.

i just pick a charge, like my flight with a few taps, it's taken care of. impressive baldwin. does it work for hotels? absolutely thank goodness. mrs. villain and i are planning our... you scare me. and i like it. let's go what's in your wallet? gerri: coming up, the putting the

gerri: maintaining your car and wallet. it's important to keep your car turned content tuned up, but you could be spending extra money on car maintenance. thank you for joining us.

should you change your oil every 3000 miles? this makes a lot of sense to me. >> it makes a lot of sense because the oil places stick the sticker on your windshield until you do so. you can save money and you're also saving oil as well. gerri: 7500 miles? are you kidding me? >> let's talk about air conditioning. is it bad for fuel economy? >> that is something that people think about. you can still run the air conditioning. there is no measurable difference when opening the windows. we want it to stay awake, be comfortable while driving, for the safety of other people on the road, you want to kep it cool. >> i like that.

that appeals to me. now, i have heard this before and i thought it was a mix. do you get more bang for your buck if you fill up your car with gas in the morning? >> that was not the cas. underground it is the same temperature. you'll get more for the money, but it's not going to be changing the temperature. gerri: is premium gas better for your car payment. >> is actually not better. you're not going to know any difference if you actually use premium gas. most can run on regular gas just fine. there are some that recommend this, but you can still be ents a gallon for this.%but otherwise you must spe extra 30 cents a gallon for this. >> doesn't hurt your engine if

you don't use the fuel they recommend? >> it is just a recommendation and it's not going to hurt the car. >> okay. this nxt one, should you inflate tires to the pressure shown on the tire sidewall. >> okay. gerri: you really have to do that? >> it is actually the figure of the amount that is the maximum that the tyler can hold. but that is not connected to the vehicle is. that is what you want to do for the handllng of your vehicle. gerri: if all these people have been telling us this for years, what is true. what should we be doing? >> well, for tires especially, you want to set the tire

pressure about once a month that we are experiencing the east coast here, check your tire pressure because it will definitely show a difference in for fuel economy area whereyou can definitely go and get it checked as well. gerri: eza, thank you for coming on. great stuff. >> it may be the advertising that brings you to the deership. but if the dealership is isn't up to par, you probably won't be driving this yet. to which brands have the worst dealer? .list is my tp five. number five is lincoln. it could be the result of a bad deal. number three is chrysler. and according to a csi, they had

the worst satisfaction ratings of all brands. and this car has a lot of problems for every 100 miles. number two is misubishi. and that mayccount for the more than 7% drop in sales this year. the number one car brand is the psion. it ranked below the average in terms of sales and satisfaction in their are 161 problems for every 100 vehicles sold. so can we hear that sound one more time? very nice. we will be right back with our "two cents more" and the questions of the ay. what is the top priority for what is the top priority for health 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, striving to bring insight to every investment, and integrity to eve plan. we are morgan stanley. and we're ready to work for you.

gerri: welcome back, here are some of your e-mails. did coness do theirob and stop worry about doing a better job, they could save this country. diane says i want your piece of mind understanding of tragedy and where the money went. i heard a similar report about donating money for those victims. hopefully the families of connecticut will not have to wait that long. gerri: right on. and here is gerald from arizona. i retired in 1972 from the air force with 20 years of rvice and served in korea and vietnam and i applied for benefits in 1973. until this day, i keep getting turned down even though i have a hearing loss and exposure to agent orange.

the ba should get that e-mail. send me an e-mail at gerriwillis.com. earlier in this hour we kicked off our health care segment. but what do you think is the top priority for health insurance? that is the question that we ask on gerriwillis.com. just 2% said patients. that leaves 90% of profits. log on gerriwillis.com for online question every weekday. and most of us think we have health care coverage from employers. and that i is the backbone of the health care industry. but these days, even that coverage is under scrutiny. lame obamacare for a less is more philosophy and health care. let's care, more coverage.

here's the thing. even if you have coverage, you'll want to pay special attention right now with consolidating, trying to get ready for the revolution in health care and many are tightening their gri on this as a uest with us tonight, doctors and insurers valdis every day about over the themes over money. know what your policy covers and stay in your network for hospitals and doctors and if you have to, get a health care advocate. they can help you negotiate with insurance if you can't. health care reform is going to be a bumpy ride. that is my "two cents mor. coming up tomorrow, our weeklong users guide with important information on one patient should change doctors and how do you do that. that is it for tonight "willis report." don't forget to dvr the show. have a great night and we will see you right here tomorrow.

lou: good evening, everybody, thank you for being with us. the george zimmerman murder trial politicization has been gleaned from the beginning. now the rhetoric from the obama administration is undeniably incendiary, aimed at undercutting public confidence related to the zimmerman not guilty verdict. many of the corrosive comments have originated with the nation's leading law enforcement officer. attorney general eric holder. president obama releasing a statement yesterday calling for restraint but not missing an opportunity