let detroit go, i'm telling you it will not happen. it will be some sort of a rescue that you will never know. but they will be rescued. we will see you tomorrow. every. i'm gerri willis. night on "the willis report" obamacare just went up again. and new warni for one group of patients in particula also, from bad thanks to news that the tsa is running wild. is good customer service debt and america? and the e fi things you should never buy at the supermarket. the outrageous markups on some of the most popular brands. we're watching out for you tonight on "the willis report." ♪ gerri: all that and more, but first our toptory tonight.

new allegations that big banks are using big data ted discriminate against low-income customers tt they believe are mostikely to overdraft they're checking accouounts or bounce chks. big banks argue they're using the data bases to avoid fraud artists. here to weigh in, editor in chief of american banker and former vice president of goldman. i'm going to start with you. allegations tonight in the new york times that over a million low-income americans basically are being kicked out of banks because there are errors in se of these databases. >> thank you for having me. i appreciated. yes. that is the gist of the article. two things. errors and databases which occur. we have all experienced that. also, the fact that the way the data bases are used, the consequences of certain activities that you might engage in, you might have an overdraft because everybody shares the same data bases and there are very few banks left to deal

with. you could be forlosed from havi a bank account whi could have seriou consequences. gerri: i think that most americans should be in the bankg system. what do you say? a seems logical to me that if you overdraft your account that is not a good thing, now were you should be. >> from the bank point ofiew it is a good thing. this a big source of profits. overdraft fees. gei: 32 billion. >> exactly. something funny about this story saying that want to kick people out because of overdraft fees. what the banks don't want to do is le money, and of the people who may have overdraft fees also have very low balances and daunting got other services. the banks don't makeoney from them. they don't want to give these people standard accounts. it would like to find ways to make money off of them by standard savings and checking account is going to do it. gerri: to eensive. should banks be serving everybody? >> banks have to serve a purpose. the fact of the matter is when this happens there is the service that is provided. payday lenders are wire services

check cashing. that see ftd has stated in a white paper that they are routinely misused. they are -- the headline is, use them for short-term borrowing in infrequently, but many, many people use the month-to-month amount. gerri: it makes no sen finaially to use a pay lender. you brought up the fact that overdraft fees make a lot of money for the banks, 302 billion last year. you know, we can get rid of this problem for consumers, getting rid of overdraft fees and sank, if you use your debitit card and don't have any money in its account, you get turned down at the cash register one majesty that? >> you could you would ha a lot of angry ustomers that t retailers and banks. gerri: have rather have that happen. >> one of the reasons the banks have not been more aggressive in developing these sort of a small dollar amountss because they do make a lot of money in overdrafts. a lot of people are using the overdraft service in lieu of

getting these low balance accounts for these low balance loans, and that's one reason the banks are not in a great hurry to find a better solution. gerri: it is interesting that there are a lot of complaints about this on one hand, but on the otherand people have to ke responsibilityor their own checking account at the end of the day. >> no ddubt about it. i have -- it happened to me not too long a. i actually changed over from one checking account tonother. gerri: are you a former goldman banker? how is it possible you get turned down? >> whatappened was a mistake. a mistake. but they did not move my overdraft line of credit to the properccount. the next thing you know. gerri: i would thi somebody like you wou never be gang t. >> i was not pleased, as you might guess. the point is that thehese things happen. i think the real point is especially for people who may not have of relationship banking like i have, it becomes.

for me i was -- i would go in and talk to my personal banker. gerri: you have an end. most of us don't. as the problem. no relationship with the banker because we can use the bank. people are frustrated with what feelsike a closed-door policy in keeping us out. how do we fix that? i don't know. want to share something else. this reminds me of a survey we have been talking about. people who want to leave banks. more and more often what we are seeing is people want to get out of banks because they don't like the fees. apparently some 230 billion in deposits at risk. people who say they nt to. how are of bankers thinking about these numbers to back off. >> for one thing this is a big number to you and me, 230 billion, but the banks it is not that big. the worst was city. only about 2% of their balances. i think they are a lot like cable companies. everyone hates the cable company, the bank, but they don't move becse they provide the service that they want. what we found, so-called bank

transfer day with occupy and tear down the banks, those people said -- we saw a fair amount of transfers, but it was mostly among big banks. they get atms in the branches. gerri: that tell you -- bank of america walked away. it was bad ns. 2013 brand vulnerability. these is a leadi the charge. they're vulnerable three consumers may want to walk away. the end of the day you may say that the numbers don't matter or are not a portent, but at some point they could be big. this could be a growing trend. >> i think s i think the analogy was drawn to a cable company which is exactly right. i think the banks, especially since there are so few, and

since ththey shared databases which was part of the new york times story, what has happening here is more and more -- we see what has been the truth. banks serve a public purpose. they actually do things for us. it's great franchise to be able to of handle tthe money flows. gerri: a franchise. it's not a public trust obviously. is not like a public utility or i can give guarantees service. unfortunately there are guaranteed bailouts which is what makes people so angry. if we are guaranteeing your survivability, then you should give me service. >> and i also think thawhat you have going on here, huge public policy issue. di's serve these people? the banks earn business to make money. you have two choices, do it by government fiat or find a way to open the market for more competition. i think there is positive signs. gerri: i hope there are. great to see both of you. thank you for coming on.

>> thank you very much gerri: well, i'm going to make a joke. i am banking. you saw this coming. cases of misconduct. tsa soaring over the last three years. a new report finding that nearly 2,000 of those cases were deemed significan eugh to the security breaches. with more on this former managing director of the national transportation safety board. welcome back to the show. good to have you here. this is troubling. these numbersnly seem to go up. he looked at the past three years, it just gets worse. >> well, it is a management problem. its arts with the size of the agency. you have 56,000 employees. then you have the nature of the job. it is mind-numbing. and you he managers that are not doing tre work. work, some are sleeping on the

job. the transgressions are just unbelievable. i think everybody is a little frustrated with the tsa. how dangerous is this scenario? could it cause real problems in the system? >> well, it can cause problems, but the way in which they have structured aation security, they call it this layered approach. it is very difficult to conceive of a terrorist gettingn board a plane, causing a catastrophic event, but what you he your is this kind of continual and confidence that just drives the congress to rethink that decision that they made after september 11th to federalize this program. you know, there were private screeners. all of the check stations that allowed the trorists through. and in response to thathey federalized it. it is not working yet, and i am not sure it is going toork going into the future.

gerri: i want you to take a look at these numbers. letters of reprimand, 47 percent suspended, 31 percent fired, 17%. what do you make a valdez misconduct cases are being handled? is this the right way? >> i think they are doing a pretty good job on that. over one-third of the so-called cases were really attendance cases. people lifework. but then the got more serious of people sleeping on the job. if peoeople sleep on the job they're going to be fired. that is the commitment. the question is, are we getting a level of safety for the investment that we are making. and i think people think probably yes. can do better? of course we can. gerri: here is a story about the tsa agents who took his relatives back, put it through security. it did not get through the machines. and then they stopped him and found that there were things in

there that were illegal, you could not move through. these of the kinds of cases that people don't hr about that put us at risk. >> it can. and that guy got caught. i mean, his supervisor did his job at that point. he was fired. but i still think that with a layer of security system, you had better intelligence. you have the flight stores that are armored. you have pilots that can arm themselves if they choose. you have flight attendants that ar getting training. and most importantly you have passengers that are going to take action, as they have in the past. they're going to. gerri: to we have to rely on the passengers? my goodness. isn't that what the tsa is there for? >> they are, and this is the problem. i think you're going to see some real hearings coming up in the next six months with the expansion. a privatized process going on. aouple of airports. at think you're going to see that expanded. see whether a private system,

post september 11 can be more efficient and provide better security. it has not been proven yet, but i think we're going to see it coming. gerri: that could be an improvent. if you know you will lose your job is you're doing the wrong thing, if you are incentive by pay rather than being a member of t club that might be a good thing. always good to see you. >> thank you. gerri: now we want to know what you think. from banks running rampant, you know all about that. the tsa running rampant with misconduct, sleeping on the job, putting to their relatives back. ar youidding me? our question, is good customer service dead in america? blog on to gerriwillis.com, both on the right hand side of the screen analyst said the results. still ahead, more broken promises some obamacare. the latest news on cost the lineup and health care coverage now being cut in some cases. and the most overpriced items in the grocery store. this will be a shocker. we have a shopping list of things that you do not want to

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gerri: call it another unintended consequence of obamacare. this timeutting cancer patients at risk. a ballooning government program called 340b was intended to help hospitals by drugs to treat the poor but h turned into a cash cow for those hospitals. the program i only going to get bigger under obamacare, but so will cancer patients' bills. here to explain to my doctors got badly, former policy adviser at the centers for medicare and medicaid services. thank you. great to have you back on the program. as i understand it, this thing was initially targeting about 90 hospitals. now it's hitting about 1600. tell us what is going on. why is this growing? >> well, it has become aery lucrative program. basically what they're able to do is buy drugs at a fced to discount and then resell them to insurance companies that the full list price and capture the spread in between. this was initially put into law in 1982 as a way to help subsidize hospitals that ca for a lot of indigent patients and was anticipated that 90

would qualify. a lot of other hospitals that in the game, and this administration has expanded the program wit what they're calling some regulatory guidance, guidance that has expanded and they spend it in the affordable care act to allow more hospitals are qualified. gerri: hold on. so the big winners, a little tough to understand. the big winners, the hospitals. e big losers farm and possibly all of us a fair and to sponsor and pay for this program. treat cancer patients? how willhey change under the affordable care act? >> patients loser because prices go up and also the copay that the patients pay is a fictitious price, not the actual dunted price. thh affordable care act expand the program further to new kinds of hospitalsnd also the administration is allowing nozzs to develop the satlite neorks of pharmacies that have no geographic proximity to the hospital. they can dispense more drugs. what is happening is the hoitals are going out and trying to buy up a lot of doctors' practices, particularly

cancer patients because those drugs are expensive. moving the care of the patients into the hospital so that they can capture the spread of the drug that they used. a lot of consolidation, particularly in oncolog more than 400 apology practices, outpatient physician praices have been bought by hospitals, in part so hospitals can capture the spread on the drug. gerri: i thought obamacare was supposed to cut our costs. this sounds like it's increasing >> the costs go up when the care moves into the hospital. on average a year of chemotherapy is $60,500 more -xpensive when in hospital. the out-of-pocket cost goes up about $700 on average because they have more overhead cost. often times more effient to deliver the care in an outpatient sstting and quite frankly for the patient is often times more convenient. gerri: that'sidiculous. that is just ridiculous. u complained about this in an op-ed in the law street journal today explaining at length what is going on. i cannot -- you know, i thought obamacare was supposed to make everything better, but that's

not the case. now we hear that the omacare employer mandate day will cost $12 billion over the next ten years. dr. scott, i know that you know iave a lot of problems with obamacare. i know you do. this seems to me one by one we are removing all of the props that were supposed to support this program. everything that would havput money into this program is slowly being pulled back. >> right. welcome all of the things that would have coerced people to try to get into this marketplace. the penalty that employers with a face by not offering insurance , the problem with what they did by delaying an employer mandate, they were worried about the employment effects and the fact that it was a disincentive to hire new workers. the problem is, the employers aren't going to make decisions on a year-to-year basis of long term, and there still going to delay hiring more workers in anticipation that this will eventually go into effect, which it probably will. gerri: it just goes on and on.

thank you for bringing us this story. amazing. the people that get hurt, the cancer patients. appreciate your time. >> thanks a lot. gerri: still ahead, the top five items you should not be buying at the grocery store and the federal reserve wraps up its meetings with some interesting new comments on the economy. stay witus. ♪ [ malannouncer ] if you're taking multiple medications,

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gerri: don't get ripped off at the grocery store. tonight we are looking at the biggest price gouges on sto shelves and the markups that are costing you big time. joining me now is andrea orrock. thank you for being on the show. we have a bunch of things to walk through here and i think it's really interesting. i just realized that this tuff is marked up so much. precut produce. >> that's right, you are looking at a markup of 0%. everything is sliced and diced and we talked. so skip the bagged produce and pick up the whole vegetable or whole foods. take an hour over the week or weekend and do all the prep work yourself.

gerri: if you buy the cap'n crunch, you're going to pay for the cap'n crunch. >> that is exactly right. you can care the generic store brands, you're going to see that many of the manufacturers that produce these namebrand cereals also produce the generics. gerri: you may not have to save every penny at the grocery store, but you want to.

you are looking at a markup of 100% on name brands. it could be because ere's not a big variety. to save, go to at the good stories or natural food stores. you may not get a fancy container. you fill it up and you're saving huge amounts of money. gerri: i have a mediterranean tour in store in my neighborhood and they have a great selection. >> that's right, get it all at once. gerri: so if there is a bakery in your grocery store, watch out, my friends. of course it is cheaper just to make these from scratch. but it is time and time again, it is time consuming, even the

brownie mixes are bigger savings. gerri: okay, bottled water. every time i buy that every now and then. >> of course. i understand that. but if you buy bottled water come it the markup is 4000%. according to the natural resource an defense cosel, they see the bottled water is no better regulated were cheaper than tap water. in fact, 20% of bottled water comes from municipal water that we drink to her cat. gerri: that is just unbelievable. >> get yourself some nice reusable water bottles. get your water tested where you get it once a yeawhat a reporter. verify that your water qualy is good. gerri: my understanding is in new york city wehave great water. >> it really is. i always hear that. do yourself a reusable water bottle and you will save.

gerri: okay, let's talk about shampoo and conditioner and household cleaning items. >> again, convenience and grocers know that shoppers don't want tgo to a bunch of different stories. so they are going to pick it u when they go grocery shoppg. you are looking at paying a market of 60%. i recommend going to stores like cvs committee have great awards programs and coupons. wal-mart or even a dollar store. especially wn it comes to household cleaners even though they are deluded, to household cleaners work just as good as the name brand and your buying them for a dollar. gerri: that is such a good set of advice. thank you for coming on the show. okay, one of the most popular brand names from grocery stores. that is tonight's top five. at number five is her sheets. they rank among the most

patriotic brands in america and number four where would america be without potato chips. lays has it at number four. and then pepsi is number three. the most popular food banned is tran-one. the most popular grocery store brand is coca-cola. and coming up net, and coming ud actually be good for students and parents. we will find out. stay with us ♪ [ villain ] well mr. baldwin... it appears our journey has come to a a delightfulnd. 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.

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let's go you know, from our 4,000 television commercials. yep, there i am with flo. hoo-hoo! watch it! [chuckles] anyhoo, 3 million people switched to me last year, saving an average of $475. [sigh] it feels good to help people se... with gre discounts like safe driver, multicar, and multipolicy. so call me today. you'll be glad you did. cannonbox! [splash!] >> from fox business studios in new york, here again is gerri willis. gerri: the big news in the market today knows that the fed

dialed back its expectations for the economy. the markets say all right. with us now is jeffrey miron and gary called on. welcome to y both. just, we have 1.7% for the quarter. then they revised it and said it really was a 1.7% growth for the economy it was really 1.1. it just seems that all the revisions -- it feels like an anemic performance. >> i think it is anemic. i think mainly because they overly applied the cutting of

spending which is that for the economy. i think you cut back spending it is good for t economy. this is better than that expectation. gerri: when the fed isassured and the economy isn't doing well, what you say? >> i've been saying it for two or three years. all about the printing of money. we can go back to july 24 about a month, interest rates were skyrocketing. just the top of slowing down and what they doon june 24? they realize that they have to walk it back or they would be in trouble. they say forget about it, and often races to the market again. gerri: i know it. you guys in the market are betting agait it sometimes. you want to see there is money continuing forever.

i thought two things were interesting that t fed said today. they are talking about employment. >> i think they got really spooked by the fact that any hint of cutting back on monetary stimulus -- they are not getting rid of stimulus but not imulating quite as much. so they are just not going to go near it until a happi. i don't think they will go near it and released after ben bernanke has left at the end of january of 2014. because so far nothing horrible is happening with this continuing stimulus. a lot of reasonable people are afraid it will. but since it has not, they will keep it up. gerri: that brings us to a great queson. i know you care a lot about the

fed. in ending this kind stimulus, as the market already put that in? >> not at all. i think that the markets have recognized that the fed is geared to their wits. i think they know that they are in some sort of debacle. there is no doubt in my mind the biggest problem is we have 1% growth with 0% interest rates and $85 billion printed a month. that is not anemic but horrible. the issue is wat happens if things get normalized. we are going right back into a recession. the fed is going to keep it from being normalized. one day the market may just wake up and normalize it and then all heck is going to break loose and i hope that i'm wrong about i. gerri: jeff, what you have to see. say. because i think that's a good point. >> i have the same fear. i thiik that we have been pushing so hard.

we are missing the main factor of keeping the economy going slowly. i think the factors are a fear of tax increases down the line. expanded regulations that will happen more and more uer a democratic administration. the redistributionist attitude. they don't want efficient policies. so we we are fousing on this but it ismuch more structural things that need to be fixed. gerri: i've will tell you a structural thing that needs to be fixed and that is unemployment. we are talking about gdp growth. but the jobs situation is just terrible. how is that impacting us? we have the payroll numbers. big companies are not hiring people. %-their money and just -- i dont know what they're doing. but when is this going to change? >> i don't think it will change anytime soon. my simple take is one fold. people that run businesses are

smart and they know what is happening out there. when they see taxes going up, when they see a 0% interest rates and health care costs skyrocketing, mandating fees fees and you know it, they take a step back and say i'm going to do less. there is a positive side. productivity is better. technology helps with this. but for me it is all about what they feel on see on thehorizon and what is coming out of washingn dc. gerri: the president was talking all week long about how jobs have to be fixed and he wants to do it and heas a plan. i have not seen anything out f washington. what do you say? >> i fully agree with that. raising the minimum wage is hardly a good way to improve the job situation. going back to gdp versus unemployment. they would never say that this kind of gdp would drive the rate back down to five or 6%. i think of those as sort of two sides of the same coin.

it is not going to get better until we have a very different approach. gerri: we have a long way to go. someone is excited somewhere. but it's sure not us. great to talk to both of you tonight. >> thank you. >> thank you, gerri. gerri: the hot news on fox business. a limit on debit card purchases or his so-called slight fees. retailers say it was too much. they now have to agree on a new figure. credit carcompanies collecng $16 billion a year. american express makes the most money. facebook making it easier for people to share while posts today. and back up near the ipo pre this week. stocks ended mostly lower today after the federal reserve's lowest comments on the economy.

the fed said it will keep its policies in place until the economy improves substantially. and banks are fighting off a new wave of cyberattacks. the group that has successfully blocked hacker said that they are going to do an all over again. no bank has been victimized that way so far. coming up next, prices of college around the country. i think many of you will think it's a good thing. we will talk about that. and if you don't have a stomach for the mood swings in the stock market, we may have the perfect investing vehicle for you. stay with us next.

gerri: if you don't like a product or service, take your business elsewhere. that is the case tonight with our high school graduates. they re saying thank you but no thank you.

joining me now is a reporter for "the wall street "the wall street journal." cameron, i think you have done a great job of tracking the trend in enrollment rates. what is going on up there? >> well, every year colleges have to seek yields. he had a certain amount of students and they hope that a certain amount agreed to go to college. a couple of smaller schools in the country this year mised their targets pretty substantially. this obviouslyeans a huge financial shortfall. many are afraid tht this has a lot more problems for education. gerri: it's fascinating because u never hear about it. yet you have at "the wall street journal." loyola university in new orleans, a very good school. there will be 25% fewer freshmen than the university was banking on. likewise, st. mary's and

morehouse college, all of these colleges getting fewer than 700 students. our students finally getting smart about the cost of education where? >> well, ihink higher education is very fearful that they have finally hit a wall. they have been raising prices every year, year after year. after thisrecession parents were shelling out very high tuition. gerri: are students gog to school omeone else than the traditional schools? >> summer waiting to see if they can scrounge up the money

students are going to community colleges, state scols if they are cheaper, i think t biggest and most likely target for this kind of problem is going to be a high-priced and private liberal arts colleges that areot in the very top tier. the harbors harvard and yale's of the world are doing fine. the one that is right. they are doing fne. so are some of the big state schools as well. the costs are much lower than some of these private schools. i think this could be a really good thing. because at the end of the day it becomes more affordable. >> i think that that will be what happened. there is a hidden ame where colleges will dish out tuition. they have a stated tuition price and they are discounting i. they are discounting it more and more to make sure they get the ideal that i talked about.

now that is not even working. so i think there will bemajor transformations. gerri: so can i say my son is entering duke university in 110% off the price? does that work? >> it's really more that they will present an offer and give you a package in the mail, saying because your student is such a smart person we are willing to discount the tuition and provi this amount of scholarships to get them in the door. there's a lot more to seal the deal to get people in the door. then you have them for four years. gerri: and then he gives us more power certainly to get these prices down. any advice on how we can do

that? >> negotiations will play a big role. the students will be courted a lot more than n the past. phone calls and offers and one thing to worry about is where you go to college, the value of that degree -- i mean,you have to be careful. gerri: we have some breaking news that i think you can comment on. congress just passed one of these bills to bring down interest rates on student loans. we have been covering this for a long time. it has been a b debate, whether they were going to do it or not. packing up deadlines, what do you make of this? will this make a big difference to students out there and who benefits? >> the students benefit because they g a cheaper rate. one really doubted that would be passed. if there is a sacr cow out there, that would be one of them. gerri: it is one of th bi sacred cows.

>> yes, people want their scholarship money. gerri: cameron, thank you. i apologize for cutting you off. great story and thank you for bringing it to us. >> thank you for having me. gerri: still to coe, inflati does not exist and you need to protest your nest egg from them. we will show you next. a quarter million tweeters musicare tweeting.eamed. and 900 million dollars are changing hands online. that's why the internet needs a new kind o of server. one that's 80% smaller. uses 89% less energy. and costs 77% less. it's called hpoonshot. and it's giving the internet the room it needs to grow. this ...is going to be big. it's time to build a better enterprise. together.

they're the days to take care of business.. when possibibilities become reality. with centurylink as your trusted partr, our visionary cloud infrastructure and global broadband network free you to focus on what matters. with custom 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. gerri: and investment that financial

gerri: how do you do that? we are looking out for your

savings tonight for protecting your nest egg against inflation. the fed is worried that there is not enough inflation, but someday no doubt yourrsavings will be worth a lot less 10 years down the road. joining me now is a professor at boston university and author of the book prosper your guide to safer nvestments. welcome to the show. people don't even remember what %-prepared to even think about what it can do to their portfolios. >> actually thatis not so true. of people who are leaving their jobs and retiring. they are very concerned about inflation. you know, they figured that they might live another 10 or 20 or 30 years. gerri: what do they need to be thinking about and doing if they are concerned about inflation? >> well, let's start with safe

assets that are inflation protected. we need go no further than two things. two things that are extremely important tordinary people of modest means. the versus social security and a lot of people don't realize that if they wait to collect and to start collecting social security benefits until age70, each year the starting benefit will bea percent higher and it will remain fully adjusted for cost of iving. now, that is a terrific investment. gerri: i think a lot of our viewers are well aware of the beauty of waiting. i think they understand that. but you have some insights on actual investments that will do

better in an inflationary environment. what a they? >> well, the most important one is series saving bonds. these are u.s. government guaranteed highest credit rating savings bonds that individuals can buy units as small as $50 and up to $10,000 per year per person. $10,000 per year per person is a lot more than the average american faves.

we ca it the fixed rate is zero. what that means is any money you put in will earn whatever the rate of inflation is. gerri: that is great information for people who are concerned about inflation. steve, thank you for coming on and sharing information. thank you. ♪ ♪ ♪ ♪ [ male announcer ] if y can't stand the heat, get off the test track get the mercedes-benz you've been burning for at the summer event, going on now at your authorized mercedes-benz dealer. but hry, offers end july 31st. like carpools... polly wants to know if we can pick her up.

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♪ gerri: and finally, the markets today overjoyed by the federal reserve meeting i am sure you saw that. why am iot happier? is easy. the economy and the market action are all smoke and mirrors. sure, job creation the expectations, but big companies are still not hiring. they'rr holding their cash. gdp growth is cause for celebration?

you have to be kidding. don't get confusedy the ball street lingo. we are beating expectations only because forecasts are dismal. they current state of economi expansion is just wishful thinking. that is it for tonight on "the willis report. we will see u tomorrow ♪ lou: good evening, everybody. thank you for being with us. the white house not only sticking by their assertions that the array of scandals now engulfing the white house are phony, but the president's own spokesperson decring to of the most serious scandalto be overbought regardless of the ongoing investigations to find out exactly who ordered the internal revenue servi to target conservative groups, the tea party, and to left four americans and one ambassador to die at the hands o of terrorists and benghazi on september 11th of last year? here is whi house press secretary jay carney earlier today