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our commitment has never been stronger. does your mouth often feel dry? a dry mouth can be a side effect of many medications but it can also lead to tooth decay and bad breath. that's why there's biotene. available as an oral rinse, toothpaste, spray or gel, biotene can provide soothing relief, and it helps keep your mouth healthy, too. remember, while your medication is doing you good, a dry mouth isn't. biotene -- for people who suffer from dry mouth. gerri: big news in banking. you may soon have to say goodbye to spending more than you have protection. bank of america is considering a new technique count that prohibits overdrafts but protects you from those $305 fees that can add up. joining us now, a reporter with the wall street journal. great to have you here. what is bank of america talking

about? keep in mind, they are not saying that they're doing this. this is all behind closed doors. >> they're trying to figure out how to overhaul the checking account. many of the banks have already done so, and one of the things that they are considering is giving people the choice to not have overdraft. it would not be a youth is still sees between a couple of different accounts. one would not let you. gerri: this is great. the end of the day with these banks are typically doing is you have to opt out of what they called overdraft protection. no one ever saw the disclosure. and at the end of the day what you found is you could run up losses fees. i have done it myself. you are out with your debit card, shopping, and all of a sudden you do not realize that you are charging for something you don't have to read a lot of people have been in that situation, and $35 a is a lot of money. >> and consumer advocates and lawmakers and regulators really have slammed the industry,

disclosure, lack of transparency , and a high level of fees. they are addressing that. gerri: i have -- full confession bank of america, i gave them a very hard time when there were talking about introducing debt card fees. if they do this i will have to do something really positive because i think that is great. why allow people to run up these when they do not even know that they're doing it. >> and some people, it is interesting. some people actually like having the protection and are willing to pay the fee to buy your do whatever they want. gerri: if that is the case have them of stand, don't have me have to decide to opt out from some program i don't even understand. you say that this might be part of a bigger program to redefine checking. what is going out? >> they have been testing for the last year in massachusetts, arizona, georgia, a bunch of different pilot tests. tried to figure out what to do. pretty sensitive to public criticism sense that debit card fiasco of a couple of years

back. they are sensitive. gerri: they know what will happen. what could we see? >> we will probably see a couple of checking accounts. a checking account geared toward the low end, people who do not carry a high balance and have other relationships with the bank like a mortgage credit card. that is the way that they are going. some are trying to push of customers. they do not want them because check accounts are expensive. gerri: how much does it cost to have a checking account? >> it can cost the bank a few hundred bucks a year, and if you don't keep a lot of money in the bank and you don't have other relationships with the bank and they're not getting fees from you, that is the cost. gerri: what do you take is the ultimate implications of what banks are doing? we want to wealthy customers that could mortgages from us, invest with us, have all kinds of accounts with us. other people, we want to get rid of them. but would be the impact long-term? >> you will see different kinds of accounts for different kinds of people. chase was pushing the prepaid

card. they are gearing it toward the lower end. there is no ability to overdraft on it either. they're just trying to manage losses, but as well as still keep revenue from people who are willing to pay. gerri: prepaid cards often have big fees. i have not been a fan for that reason. >> they are changing, and a prepaid cards are a lot lower than the ones that you used to be able to buy at the drugstore something. because the gas land for those as well. gerri: better for people to have a real relationship with the bank other than just buying some card that they can then use it in the atm? at the end of the day don't you want to build a relationship that leads to now we will go get the mortgage, maybe we get to the bank that we have our checking account with, get the loans for college. maybe we will go to them. the world has changed, but i hate to think that people live so disconnected from the financial system that they have no relationship. >> well, they are. there are plenty of people who

are, and there are also people who don't want to put all their eggs in one basket. there are plenty of people here don't like banks, don't trust them, are afraid of them. gerri: a lot of people. but i have to say that the banks brought that on themselves with their policies. the great recession did not do a lot to help that. >> right. there are aware of all that. gerri: thank you for coming on. good to see you. great story. we will continue to watch this. later in the show, how the government shut down is costing the government more. next, we answer the question how you do that. the best way to get a good night's sleep and the real reason why it is so important. let's get that. he is sleeping. wake up. we are doing the show. come on. ♪ we went out and asked people a simple question: how old is the oldest person yove known? we gave people a sticker and had them show us.

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♪ gerri: all those sleepless nights are wreaking havoc on your brain.

gerri: scientists have discovered that sleep detoxes your brain from chemicals. joining me now, an orthopedic surgery professor at duke university. boy, that's a fancy title there. doctor, tell us in this basic thing about sort of resetting your brain with sleep. how does that work? >> this was a very interesting study from the university of rochester, and what we know is there are two basic cells in the

brain. one's called a neuron which is the cell that's active when we're awake and working, the other is called the glial cell, and it supports the activity of the neuron. this study showed us that when we sleep, the neurons shrink. and by shrinking, the glial cells are able to pump fluid through the brain -- gerri: what fluid? >> cerebral fluid that surrounds our brain, it clears and detoxes your brain when you sleep. gerri: so what are you getting rid of when you detox? >> toxic waste, toxic proteins, basically the garbage that the cells create through the day. gerri: i'm taking a nap in a couple of minutes here. [laughter] okay, what kind of disorders could this new discovery treat? >> interestingly, we know that alzheimer's, parkinsons and other neurodegenerative diseases have a buildup of toxic

material. so in theory, if you get sleep, you can detox the brain. gerri: right. >> so potentially there might be a link here. gerri: the other link you mentioned in the break that i was shocked at, you said some alzheimer's is linked to depression. tell us about that. >> so there are some studies showing that elderly patients are more prone to depression, and some of those patients are more prone to having neurodegenerative diseases like alzheimer's. so we know that with depression you have sleep issues, with sleep issues potentially there's a link here with alzheimer's. gerri: you know, i'm listening to every word you're saying because my grandmother had alzheimer's when she died, and i know it's in just about everybody's family. tell us how to get a good night sleep. >> so the basic ways, number one, have a regular schedule so that you're sleeping roughly at the same time every night, sleep in a temp rate type of room so not too hot, not too cold. stay away from stimulant type of drinks and activities -- gerri: you don't take your ipad to bed with you, do you? >> try not to, and really limit

your bedroom for sleep-related activities. you don't want to take your ipad, you don't want to sit and eat and do other things in the bedroom. gerri: what about the length of time? is it eight hours only, can you get away with six? five? what do you say? >> the research is still out, we recommend eight hours of sleep, but some people get away with six, some people more. this study suggests sleeping more may be potentially more beneficial. gerri: so if i get up at night because i can't sleep, what do can you recommend to people who have that problem of insomnia and want to get back to sleep and can't? >> a couple of things, relaxation techniques whether it's music, relaxation scents, even yoga can actually help to relax your nerves and try to get you to sleep a little better. gerri: all right. so far i have a nap on the list, yoga on the list. you've got a long list of things that a lack of sleep exacerbates including obesity, diabetes.

how is this so important -- mood disorders, reproductive problems, the list goes on and on. >> it does. so we know that during sleep your body repairs itself. so the bones, the tendons, the ligaments, the organs, your immune system, all of this repairs itself. i think this study is the tip of the iceberg trying to understand how sleep really affects our whole body. gerri: wow. interesting stuff. thanks for coming on and telling us about it. >> thanks. gerri: i am going to take a long nap. coming up, it's like a scene from a movie. two murderers walk out of prison in florida thanks to forged documents. now the manhunt is on, we'll explain. and next, the 16-day shutdown left thousands of workers furloughed, stuck at home with what they thought was no pay, but now they're not only getting back pay, they're double dipping. our legal panel weighs in next. ♪ ♪

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♪ ♪ >> from our fox studios in the new york, here again is gerri willis. gerri: a double paid vacation paid by you, the taxpayer. in case you needed another reason to be mad at the government, some federal workers furloughed during the goth shutdown also got unemployment benefits despite receiving back pay. hmm, is this legal? do we have cause? can we bring an action against the government? joining me now, bill frumpkin, attorney at 401(k) frumpkin and hunter. all right, lis, should these people get this money? >> you get to go on vacation, you didn't want it, i understand it. you should get the back pay, but by the time you get this back pay you've got the unemployment, you have to give that back to the state.

taxpayers, we're all paying for it. that's not right. gerri: and, bill, you have an argument against it? >> of course. let's pretend you're working for a a government-sponsored station -- faction. [inaudible conversations] we want you to now take unemployment, your bills aren't furloughed, you still have to pay your car, your rent, your mortgage, you don't know if you're going to get paid in the end,and you know what? we're going to pay you a month from now when your claim is ready to go. it's like a differential, it's like overtime, working on the weekend, a holiday. it's a problem, and a lot of people who weren't essential still worked even though they weren't getting paid -- gerri: but wait a second. >> all right, let's take your premise as gerr, and i i are working -- gerri: we must be at npr. [laughter] >> anyway, okay, so i take your premise. you're right, people have to pay their bills, and what really upset me was it's always, you know, it's the secretaries and

the people -- >> yes, that's right. that's correct. >> okay, i've got that. but when they do get that check back from the fed which says he's your money which you would have received, so you can pay all those bills, then you can't double dip. then you say, okay, those bills you've got to give it back. gerri: bill, this makes a lot of sense. so now we're paying them twice, and there's a 1% pay increase in that bill. they're going to get a pay increase on top of everything else. >> okay, listen, this is true. but not everybody lives with, you know, a large bank account. people live check to check. >> right. true. but they're already getting the checks from the fed, that's the point. >> but the point is during that period of time, this uncertainty of which is quite uncertain and could happen again very quickly, they're living without -- >> but once that federal check -- that's what i'm saying, once that federal check comes in which the feds have promised, right? then the state should say, and by the way, most states -- oregon is unusual in this way --

that you must pay it back. >> i don't disagree that it's unusual, but there is some method to the madness. how are those people going to pay their bills? >> they already paid them. swrer jer all right, hang on a second because there's an important number i want to get across to our viewers. this is 43 million, that is the pay for purr allowinged workers. 77,000 of them receiving $43 million. so i still, i'm still mystified. so i get the unemployment money, right? and let me tell you, the government was telling people how to go about doing this. it wasn't like you had to figure it out on your own. >> and that's okay. gerri: but now i get another check. i get a paid vacation. how is that fair? >> it's not a paid vacation where you're going to the bahamas and knowing that you're going to have a job when you come back, that you're going to be paid. it's somewhat like pain and suffering type money. >> wait a second -- gerri: oh! >> punitive damages here? >> no. that's punitive damages, this is pain and suffering. but the point i'm making, only

oregon that -- it's only oregon that decided to do in this. >> by the way, it's oregon. >> well, i'm from flushing. [laughter] the point i want to make sheer is there should be uniformity amongst all the stakes -- gerri: they should pay the money back. >> but there should be different rules for people who are furloughed federal workers as opposed to private workers and state workers who -- >> you just made my point again, thank you. >> okay, how did i do that? [laughter] >> it puts federal employees at a higher level than private employees or state employees. it puts them at an advantage that private employees and state employees don't have. and by the way, we're talking numbers? for just oregon itself, $650,000 it's costing. of that's a lot of money for a small state. >> if there's a political fight that leaves you on the sidelines not knowing when you're going to be able to pay your bills, i don't see -- gerri: wait, wait, wait, they knew this was coming. this had been a fight for two years. two years ongoing.

what you do is you set aside a penny or a shuck l every week to prepare. >> well, in a perfect world, you're absolutely right. but -- [inaudible conversations] i don't disagree, but -- >> you have that uncertainty -- >> gerri: right. >> you take the state money, but once you have the certainty of the fed money coming in, you give it back. >> but you know what? there's an assumption that people are making enough money to save money, and unfortunately even if they work for the government, that's not necessarily the case. gerri: look, i have no issue with taking unemployment if you're unemployed, that's fine by me. but don't double dip, you know why? because it's not coming out of the pocket of dow chemical, of exxon, of some big tech company, it's coming out of my pocket. >> but remember, it's not like you're sitting on easy street while that's happening. >> no, and i'm sitting on easy street either. the point is once you've gotten the money back, once you've been repaid for the time you didn't work, now you're back at your job, you give the money that the state gave you.

gerri: i don't know how we're going to resolve this, guys. >> last word. >> i understand what you say, it's a very difficult issue, but it's also not good to be people squeezed in a political fight. gerri: amen. let me tell you, i couldn't agree with that more. that's the best thing you've said through the whole segment. >> okay. i had to say something that was good. gerri: you're always good, bill. >> thank you. gerri: tweet us, @gerri willis at fbn. time now for a look at the stories you're clicking on tonight on foxbusiness.com. the s&p 500 index rising further into record territory today, strong earnings from some of the biggest u.s. companies; general electric, morgan stanley all rose after reporting higher profits than analysts expected. as did google which sent shares up past the $1,000 mark for the first time. the stock had never before surpassed $928 a share in regular trading since going public nine yearsing ago.

google says actually advertising prices continue to decline, a larger number of people are clicking on ads. and commuters in san francisco are fuming mad over the second transit strike in four months. the walkout began after six months of on-again/off-again arguments. and the fox business network is now live on sirius xm radio. yea. and available to the radio network's 25 million subscribers. you can catch fbn -- this show too -- on sirius xm channel 113. welcome to all of you sirius people out there. and those are some of the hot stories right now on foxbusiness.com. when we come back, the story of freddie the frogcaster. we'll tell you all about it. and next, the manhunt is on for two convicted killers who escaped from a florida prison using forged court documents. what is going on in the sunshine state?

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gerri: talk about your get out of jail free card, in florida two prisoners sentenced to life for murder, well, they somehow forged documents releasing them from prison. so now two very dangerous criminal cans are out and -- criminals are out and on the loose. ow can this happen? joining us now a florida defense attorney. regina, i can't say your last name. thanks for saving me on that one. i don't get how happens more than once. it happens twice, not once, how could this possibly happen that they could forge these documents in prison? >> well, they can't. gerri: all right. >> somebody's helping them. they don't have printers, they don't have internet, and we're talking about two people that are not in jail for fraud, forgery or any type of crime

like that, but for violent crimes, one not even smart enough to wear a ski mask. they're not doing it. someone's got to be helping them. someone's got to be paid to look the other way, someone's got to be paid to do this. it just doesn't make sense any other way. gerri: right. so somebody inside, that's what you're saying, right? >> it'd have to be, in my opinion. gerri: somebody inside the system that is getting the signatures and getting this information out which means there's probably big bribes. >> absolutely. and there's probably more than one person, absolutely, because there's probably someone producing the documents, somebody has to look the other way to process the documents. but these two inmates are not sophisticated to figure out how to produce these documents, how to print them and get them into the right hands to be released. gerri: so is it possible that there are lots and lots of people just like them who are out and shouldn't be? >> it is possible. i don't think there's been abundance of it, but it is possible. these men just walked right out of jail. i mean, these are violent concerns. and one on september 26th, red

flagged. how come the other one got out on october 8th? [laughter] what is going on at this prison, you know? people just walk out? that should have been right there. gerri: apparently, there was an announcement this afternoon that think think these two guys or at least one of them is still in the state which shocks me that they haven't left. >> it shouldn't shock you. gerri: do you think they'll catch up with them? >> yeah. it shouldn't shock you, because they're in jail for a reason. like i said, the guy didn't even wear a ski mask, okay? yes, he probably still is in the state. they probably are staying right here in this -- but the problem is there's victims. and thai got to look over their -- they've got to look over their shoulder, and they're worried. you can't live in that kind of fear when the state's put the person away. gerri: all right. let me read the statement from the florida department of corrections. somebody's -- there's gown to be a shoe to fall here -- going to be a shoe to fall here. here's what they say, in the instance the department didn't do anything wrong. and your response?

>> how about the department passing the buck? of course they did something wrong. two people left the prison. how can you sit there and say you didn't do something wrong? where are these people? how did you not know in this? i mean, please. it's time for government to get with it, get responsible. you let these people out, there's something going on in your prison, fix it. don't sit there and go, oh, i don't know anything. gerri: who gets that ball rolling, regina? what needs to happen next? >> from the top. from whoever's the warden, whoever's in charge of the -- gerri: how about the governor? >> yeah, how about the governor? exactly. somebody's got to get involved. berriesinging people's lives. they've killed before, and these victims don't deserve this. and we don't deserve this. gerri: no, i certainly agree. >> what's the point, you know? if they can check in and out of the hotel? gerri: well put. regina, thank you for coming on. i think i said it right. good job. >> thank you.

gerri: thank you. well, still to come, fox news meteorologist janice dean is here, but she's not telling us the forecast. there she is right there. after the break. well done. [ male announcer ] it is more than just a new car... more than a new interior lighting system. ♪ it is more than a hot stone massage. and more than your favorite scent infused into the cabin. it is a completely new era of innovation. and the highest expression of mercedes-benz. introducing the 2014 s-class. the best or nothing.

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♪ ♪ gerri: all right, some kids say they want to be a police officer or a firefighter when they grow

up, you know, you don't usually say meteorologist when you're a kid, but one author's hoping to change all that. fox news senior meteorologist janice dean is here to talk about her new children's book called freddie the forecaster. i love to say that, and why she feels it's so important kids learn about the weather from an early age. you've got to tell us about this book, it's so adorable. >> thank you. gerri: i've been able to page through it, it seems like a great read for kids. >> did you learn something about it? gerri: yes. i learned about cold fronts, thunderstorm clouds. >> i think it's important because i wanted to give not only give kids an introduction to weather, but also help parents discuss why things happen in the atmosphere. i think sometimes as parents if i wasn't a meteorologist, i don't know if i would know what a cold front or a low pressure/high pressure is s and i think i explain that well enough so that kids and parents can get involved in what's happening outside, and i think that's really important. i think kids at a young age have

an appreciation forwet. gerri: oh, sure. and it's the only thing everybody ever talks about, so if you want your children to be part of the conversation, they need to understand the weather. >> absolutely. and like you mentioned, it opens up our dialogue with each other. i reed the elevate -- ride the elevator every day here at fox, it's a nice day out here, janice dean, congratulations. or is it going to rain on my parade? [laughter] so it brings us together as a community. i think as well if we see a bad storm go through our neighborhood, it also blings us together to -- brings us to help one another. if we can get kids at an early age to start discovering it more, in the long term it's going to be good for everyone, and it might inspire a new generation of meteorologists. gerri: well, that's what i think so interesting. one of the things you're saying tomorrow, i understand, in an op-ed editorial to be published is it's all about math and science, and this is a way to get kids interested in that. tell us how numbers contribute

to weather forecasting. >> well, it's all about computer models. what we input into the models to tell us what the forecast is going to bring, numbers, temperatures, drop in pressure, barometer. numbers are important when it comes to forecasting, and there's a lot of math, and this is a lot of science. we know as we get kids into schools these days if they're going to compete on the world stage, they have to know math, science, technology and engineering. so those two, math and science, that's what meteorology is all about. so if we can get them interested at a young age and think it's fun, maybe they'll in turn think that math and science is cool -- gerri: become an engineer, meteorologist, who knows? you know, the job openings, this is numbers from 2016, 16% of bachelor degrees will specialize in s.t.e.m., but the number of jobs that are open, one million. so we're not producing enough kids to actually do these jobs. anything we can do to inspire them is a positive, right? >> yeah, of course. and like i mentioned, when you have an appreciation for weather

and you want to learn about it, you're going to learn about it in school, but it is a lot of math, a lot of science. i took something like -- it's called thermodynamics. it sounds scary, but it's fun when you can get all the numbers together. and they say this a lot, but weather is not an exact science. it won't be. we can't really predict that perfect forecast yet. but we'll certainly get them encouraged to really love those summits. gerri: one final question, why a frog? how'd you come up with a frog? >> well, the groundhog was taken. [laughter] right? and when i thought about it, i've always had a love of frogs. and, you know,gerri, the interesting thing i just learned recently that gave me inspiration that freddie was the right choice was that frogs, apparently, when a storm is coming they croak louder. how perfect is that? gerri: they know. >> plus, i can also say things like frogcaster, the frogs news network, you know, cute names like sally croaker and polly

woggins. i had a lot of fun. the illustration, russ cox did all the illustrations, beautiful job, and at the back of the book there's some educational purpose too. there's a definition, a glossary of all the terms that i use on television. gerri: every single day. i have to tell you, it's a great book. >> thank you. gerri: it's about at my level. janice, thanks for coming on. >> anytime. gerri: great job. appreciate it. well, if you can't get your hands on a costume, and you're still looking for halloween ideas, tonight's top five might help. the most popular costumes of 2013 so far, number five is for those who want to go trick or twerking, miley cyrus. teddy-bear inspired teddies. mom and dad shouldn't say that. number four, break out the camouflage so you can look like the cast of duck dynasty. think beards and bandannas, you know, red neck chic. number three is a fox. it's from a viral video, an

electronic dance song by a norwegian artist. number two, characters from breaking bad. look like jesse or walter with a yellow hazmat suit that you buy online for about $45 apiece. and the number one most popular halloween costume of 2013, the minion from despicable me. i love that. you can dress up your child as a small, yellow, cylindrical creature for about $35. costumes for mom and dad, a little more expensive. looks, characters from the game of thrones or the classic, of thrones or the classic, batma you really love, what would you do?" ♪ [ woman ] i'd be a writer. [ man ] i'd be a baker. [ woman ] i wanna be a pie maker. [ man ] i wanna be a pilot. [ woman ] i'd be an architect. what if i told you someone could pay you and what if that person were you? ♪ when you think about it, isn't that what retirement should be, paying ourselves to do what we love? ♪

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the ocean gets warmer. the peruvian anchovy harvest suffers. it raises the price of fishmeal, cattle feed and beef. bny mellon turns insights like these into powerful investment strategies. for a university endowment. it funds a marine biologist... who studies the peruvian anovy. invested in the world. bny mellon. gerri: the problems with obamacare just don't stop. insurers are now reporting that the system is generating a massive amounts of flawed data. do you think that these glitches will be enough to force the president to delay the individual mandate? here is what some of you are posting on my facebook page. i think the backlash will be so bad that they will cancel it and transfer folks that need to

medimaxine rights, no, because t would mean failure. that is possible. we also asked the question of gerriwillis.com. 20 percent said yes, 80 percent said no. the president will not delay. and finally, you know, i cannot get over how bad obamacare is. i did not expected to be successful, but i did not expect it to be a disaster either, and it has become just one more thing you have to figure out. the responsibility is on your shoulders because the government sure is not helping you. look, i am getting tons of tweet, facebook post, e-mails, all great questions and all deserving answers. we are stepping in again with another call-in show on monday. join as. a panel of experts, people who are not obama-paid consultants to tell you the real deal. look, we did it. you are squeezed. it is you against obamacare, you against the irs.

you against the companies that see your bolick at -- your wallet as their bottom line. i hope you will join us monday at 6:00 p.m. that is it for tonight on "the willis report." thank you for joining us. we will see you h charles: soon after the government open back up the democrats are speaking up slapping down the obamacare rollout. >> the system, the national plan for something that has to be. >> the people who are responsible for making it work art work fixing the problems that need to be fixed. >> overwhelmed by the traffic. >> not happy with it and have insisted that everybody work 24 / seven to fix the problems that exist. >> have some answers soon and