consider this an invitation to come on "the willis report". that's my "2 cents more." and that's it for tonight on "the willireport." thank you for joining us. have a great nig a go. ♪ >> voters are ticked. welcome come i am melissa francis in for neil cavuto and the obama admnistration investing millions from the health care insurance mandate. americans whose policies were canceled won't be penalized. arkansas governor says democrats still have a lot to do to sway the public by november's election. and that's a long wayaway. >> people have to rememr that 2000 cortinas year in which they try to navigate this impossible health care nightmare.

melissa: the president is betting that things will clear up when the dust ettles. everyone will have better insurance and they will forget the nightmare that it took to get there. >> yes, everyone will have a eunu want for chistmas as well. [laughter] melissa: my kids wod love that. don't joke with me. >> structurally obamacare was designed to fa because of a couple of reasons. it was going to add a lot of sick eople and put them in the pool. somehow magically with all of these new people taking one these new people taking me now on a putting lesson, the presidt id that you are going to reduce the cost. melissa: and i went always press people. i just don't understand how you think that that map is going to work. they would say that there is tremendous cost savings that will pay for these expensive people. lo and behold, we haven't seen those tremendous savings. >> the only way can it can work is if you have an extraordinary

fusion of very young and healthy and very inexpensive people who are paying more than the market. they are staying on their parents policies until they are 26. and thy just are going to take it. melissa: my mother-in-law's policy was canceled. casting aside the ones tha we don't like, do we have the ability to do that? >> i don't think we are. the republicans can sing likely delayed ke changes and the response was always that it is the law of the land and that was the big answer well,if it is, then you can keep doing all of these things you're doing to change t.

but the president today, he comes out with this new ideaof what e are going todo, we are going to delay the implementation, let you pick up a catastrophic policy, l's roll back a few weeks when he said that the reason that you had to have the obamare policy was because of what people had before, it was junk insrance. melissa: you thought you liked it, but it was actually a terrible policy you should not have had. >> right. and did he get better all of a sudden? >> no, if it's a dumb policy, it's a junk policy. and so i think the president has talked himself into a deep hole. and whater he does, it is not going to fi itbecause he kps changing his own tune and position. melissa: i always go back to the math. there's a lot of people that signed up because they were thrill and desperate and willing to st through whatever it took on the website because th didn't have any health

care. but right now, who are paying for those people? >> the taxpayers wilpay for it. you will be heavily subsidized. but the 15% that we thought we would keep hearing, a lot of those just didn't want it. but there are people from obamacare will work, it will be the very sick people. but we could have done w fixed that and not disrupt the insurance for the other 85%. >> lee would've one a is to subsidize it. there's no other way. put them in an independent poll. and then we do it where w have co-pays and deductibles and premiums, and it's stale. d then they get impoverished by their diseases, many that are beyond the capacity of any family to pay for it. melissa: we roll back time, we had this option like you just described, that would ensure these folks. but the upside is that it's not going to disrupt the rest of the

health care industry. if we would've had that at this riod of time. because it is -- it's more one of government. and anytime you get government involvedit is a disaster. it is basically what we have done. >> yes, and we already had a model. it was passed in 1982 byhe tax equity family responsibility act. and it made it possible for families who had this to be placed within the medicaid system without having to be impoverished to qualify for it and it really is the way to make this work and it can work in a dozeplus the family's udget and it doesn't skew the market. >> yes, we were talking about this, the very beginning of this. d i'm wondering -- i mean, what does the public at larg what is theirerception? it so hard for me to tell. i look at the polls and they say different things.

67% say that they would like to delay obamacare. so do you really think in your heart that they think it this is a mistake? >> if you look at what has happened, this is he only bi that i can think of where the american support has waned as time has come on. people get used to it, they et more familiar and they begin began to say that it's not that bad. but in the case of obamacare, it was split down the middle and now you see the numbs continuingo move with people saying that this is really not working. and it's not just a website. melissa: affect the tip of the iceberg. we appreciate your time. okay, so this isn't going to help democratseither. administration officials knew about the security risks before launch, but they s still didn'to anything to fi it. analyst says that thewre 12

sites that prove it. >> i did't actually happen to the sites is iidentifiea number of vulnerabilities inside of a number of state help exchange webpages. >> what did you find? >> well, what i found was that a number of states had webpages that are portable with very simple explications of vulnerability. melissa: i know that you found a couple that were as vulnerable and i'm surpriseby that. kentucky, rhode island, were those beter? >> they were ot portable to this flaw. kentucky and rhode island especially. but therewere a number of states whose health exchanges were vulnerable to this.

melissa: what is the particular thought you were talking about? >> there is a flaw in the programming that allows what is known as a roadaccess point to collect user credentials and names and paswords and if a hacker has access to that information, and here she also has access to all of your personal informations well. and i think that that information can then be used to commit identity fraud. melissa: the areas that have this portability, new york, nevada, i live in new york. would yo just avoid the website altogether? >> not necessarily. but i would not recommend signing up or accessing your acunts from a public wi-fi service provider. melissa: kennedy fixed wimax much we have heard is that t's

very hard to patch them and you have to start over from scratch and what is your opinion? >> know for a fact that the vulnerabilities can be fixed. six weeks after we contact the state of minnesota, they agreed to sit down with me and i met with them and i explained the vulnerability and i told them how to fix it and in less than 24 hours it was fixed. melissa: mark, thank you for coming on. it is friday, that means we are letting you control a segme and we want you to send us a tweet. t us know who is not in washington and he was nice. and later we will read your responses. the first, get ready or a not so happy new year. some of the market watchers saying that 2014 is going to be a disaster for some. ♪

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>> i think you'll take out the 2009 well and it's up to the financial individuals. >> that's a long way down. melissa: that best economic minds in the country worrying about this much we get our spendi under control. general david walker is confident -- is incompetent confident that the parties will come together, sor. when the think it will happen? >> i am not a stock predictor and i know about fiscal sanity, i know about the nuers and we are living in a bubble right now even though the federal reserve is going to taper this by about $10 million a month. it'sar more than the deficit. and we it ended up avoiding a government shutdown, but we are not dealing with the things we

have to deal with to restore fiscal sanity. >> we have gott so good at ignoring these things. you look at the market and it is up today. we still saw go higher in light of that. but when the chickens come home to roost and what is the thing and finally that finally set off the reality of the situaon? >> and interest rates wise, the value of the dollar declined gnificantly. and that is when it happens and only god knows if and when this will happen. melissa: what would make other countries decide that we are really nt going to pay our debt

that? a stop in, when we were going to give a couple budget deals are getting sequester. >> let's be clear. the united states will never default on its debt because it is guaranteed by the constitution of the united states. and the question is what interest rate will we have to pay. right now we don't have to rely upon other people. the federal reserve is buying all of our new debt and more and the key market plaaers including china haverty decided that they are not going to buy ou long-term debt but short-term debt in order to mitigate this and currency risks. so we are living in a bubble. we ned to get our fiscal house in order and the federal reserve needs to get back to more normal monetary policy. and only when that happens only know what real interest rates are. right now we don't know what the interest rates are.

melissa: youmentioned this and it's really a shell game that is going on,i don't think enough people are worried abt. what is the danger that? >> well, the danger is you can't spend more money than you make. melissa: we can then we do. >> you can do it for a period of time, but it's not a sustainable strate. there are other countries have tried to do that in the past, not as large, and we are not exemptrom the laws of this aad prudent fnance. and hopefully as part of the debt ceiling women, you're not going to get a grand bargain to get a new president, but least we could agree upon a goal. let's get public debt to gdp and keep it thee. and that will force the issues that i have mentioned. health care reforms, tax

reforms it will force them onto the table because yojust can't get there without dealing with those. melissa: david walker, that's a very sobering. so what happened to all of go right wing extremist talks? >> mm last two days with william paw and i spent a lot of time and. and i've grown to really like him. melissa: has he been dipping in the holiday eggnog? has he turned a new leaf on the

my customers can shop around-- see who does good work and compare costs. it doesn't usually work that way with health care. but with unitedhealthcare, i get information on quality rated doctors, treatment options and estimates for how much i'll pay. that helps me, and my guys, make better decisions. i don't like guesses with my business, and definite not with our health. innovations that work for you.

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melissa: so this is the senator harry reid that we now. >> the republicans were against

things. they are obstructing things and it's totally unprecedented. melissa:nd this is the senator reid that we don't know. >> i met with william m palmer last few days. i have grown to really like him. he wants to get things done here. and i find that wonderful. melissa: who was that guy? harry reid praising rand paul forcrossing party lines. going to liz macdonald now. figuring it out, hashing it out. >> i also like what the senator said. i hope i don't ruin hi reputati. but that was so funny. but it's always great to try to reach across party lines to get things done in washington dc. this is a refreing moment and let's revel in it.

melissa: adam, i think maybe he was drinking too much eggnog. [laughter] >> itink it is a good pre-christmas moment and i happen to agree with liz macdonald. we're i agree if this is an aberration. maybe he was in a good mood, maybe they did have a good meeting. maybe he is optimistic. unfortunately, we know that it's not going to last. melissa: that's right. suggesting anything that they can work together or that any of them wants to reach across party lines and i think that is what the country needs the. melissa: what exactly do you think they would achieve? it is hard to imagine what they would come together on. >> absolutely. i can understand where you are coming from. >> ty still have to have immigrtion reform.

and there is still, you know, there's government spending. because congress understands this. but the question is this a god thing forthe united states? we saw that in california. whether or not it's good for the country remains to be seen. melissa: is rand paul becoming cool all of a sudden? may be here he is the guy that everyone wants to like? >> there is an ab in the flow these sorts of things. he s articulate, he has a following. and politicians. and i say this in a positive way. politicians understand these things. when you see someone who has a following, it would be correct to have good instincts work with them. and whether we are talking of these who are other leaders, i

see him as opportunities for politicians to be working with each other across the aisle. in the ccuntry was built upon compromise. we will have a budget. too many republicans in particular. but also somedemocrats have said that i don't like the budget. i don't like it. well, too bad, youjob is to compromise the. melissa: i mean, i don't know, if you're a fan of small government, you wouldn'tould think that this is built on gridlock. >> the entire countrof belgium, it rawiout a budget. for years and years. and we don't want to lookike that. and we can't do budgeting on continuing resolutions. t it is a part of things of thamerican people are not aware of. people need to come together and get confidence back, which is really something that has been gone for a long time. >> i like this, harry reid said

that although he is well aware that political opponents thrive on making him miserable, adobe to give you names that the handful of people out there are part of us. and he only wants to make me miserable part of the time. >> i think it's good for polical antagonist to fight with each other. it's good for them to disagree with each other. and business people do this all th time and they say that we have an idea and somehow says that's a terrible idea. okay, let'talk about it, that's what we should be doing. and lt's then move forward. >> it is true. wondering what these guys are like together behind closed doors. here's the network and we may fight on the show and then we are all in the elevator and all

friends. these guys want to stab each other on the elevator what? >> senator chuck schoener said that i like talki to them as well. >> thank you guys, i appreciate melissa: coming up next, how local sam is doing the same i take prilosec otc each morning for my frequent hrtburn.

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melissa: it looks like @%vernment censorship is alive and well. google's transparency reported removing all my context. it is up a whopping 70% this year. this after the scandal with the nsa. google commenting that one rend has remained consistent and governments continue to ask us to remove politica content.

then brian doherty says that the u.s. has en looking like a nightmare. >> it is the definition of it in 1984, te big government was capable of throwing information, people that didn't want you to fall down the memory hole. if the government has the company discover things from eir serverand gogle goes one and complies, that is extremely frightening. the nsa scandal says that the government wants to do this and they als want to control everything we read in the digital age. melissa: what are they asking? >> in a lot of cases, it is -- they are calling it a defamation thing where they or they think that something written were a video on youtube portrays a government official on a bad light and they are asking about that as well.

they are making copyright claims that the government produces and liticians speeches and do want to say that google does not go along witthese all the time and they are good enough to warn usand the reason we know about this is because google fits into the transparency report about this and certainly these sotions to the defamation has been the same as defamation of character for anything else. not trying to wipe the alleged definition out of the public record. the. melissa: i'm confused because it's like an americann pastime. there are whole shows a night based on doing this in a hysterical way. and what what makes this so much more to various? >> well, it is the part where they're trying to stop a and they are rying to say that we don't want these expressions to be availab. >> what becomes particularly offensive? >> we don't know. anything that the police officer

judged a signs, ware going asked google to get rid of it. and again google doesn't just bend over and do it all the time. but it's extremely upsetting. >> google is on this pr campaign and it looks like a lot of the social media sites and websites have cooperated in the past with the nsa fishing for information. suze is part f tir pr campaign to say wait a second, we are being forced to do things by the government and you suld understand that and ose that were? >> google has been trying to separate itself from the way the governme uses it to approach things on the right. they cried foul and was revealed that the nsa was probably grabbing their data links. and indeed, this information we are talking about that come from google itself.

every year they released their transference airport and you can look it up online and it lists the reasonin numbers and google definitely wants us to think that they are on our side at least a little bit. but if they were on our side completely, they would never comply. melissa: i'd guess you are right. judges have asked us to remove them from critical information and this includes shining a light on the conduct. local institutions don't want people to find information about their decision-making process. that's not good. >> right, that is not a part of it. and even if they think they should have a legal recourse, they should never be too wiped out the exprssion, it should either be trying to set the story straightr you shouldn't be able to just say okay, let's wipe us out the.

lissa: okay, thank you so much. melissa: backlash for making big bus. the baseball players hve fans the baseball players hve fans that are cheering them on. hi honey, did you get e toaster cozy? yep. got all the cozies. [ grandma ] wi n fedex one rate, i could ll a box and ship it one flat rate. so i kn untilt was full. you'd be crazy not to. is tt nana? [ male announcer ] fedex one rate. simple, flat rate shipping with the reliability of fedex. 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 nse, toothpaste, spray or gel, biotene can provide soothing relief, and it helps keep your mouth healthy, too. remember, whilyour medication is doing you good, a dry mouth isn't. biotene -- for people who suffer from dry mouth.

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melissa: if greed is so bad, why is there a backlash against this? baseball players making far more than many. joe rry says it is the same news that came out about banker pay, and the media would jump all over it. is it always media's fault? >> yes, absolutely. [laughter] >> is always the media against the bankers an corporations. melissa: you poor thing. and why are you not weeping?

[laughter] so jonathan, what do you think? why is there no outrage over professsonal athles? >> well, professional athletes are only doig it for the team. and that is athletes that are being very altruistic. and they are interested in making money d that seems to be a very bad thing. >> they had the highest average ay for the 50th consecutive seon. an astonishin $8.1 million. actually heard someone in a radio interview say that the reason why they are bad is because the yankees are overpaid and fat and lazy and they don't care. so those are some harsh words. what do you think? >> well, i think first of all that it is -- it's a problem

with where the priorities of the american people are out. the baseball salaries and no one is saying word. ticket prices keep going up. the ballplayers are in it for the love of the game and the money. let's face it. >> the only problem people should have are those who are paying those wages. and highly paid sports stars are worth it. just like a good ceo, a good sport star makes multitudes for the company for which they work versus what they actually make otherwise. >> we are keeping to go up and up. and i don't know. are we getting a? i think that we are selling a

stock. and with people, the economy is down, peopl are uncertain with what is going on in washington and they want to be entertned, so they overlookhe prices that they are payng. and you look at this, they are providing jobs, they are providing with the economy and the country are doing, and i think that they are worth more than their salary. melissa: you are a brave man. joe is trying to make the point that these ceos are pilloried in the media and out in te public in general. >> both are valuable. but it is determining what it is worth. including he is not worth this amount of money or that amount

of money. d so more power to them. the samehing with the ceos. and i think it is up to us in this guide. we vote with our dollars, we don't go to the gamesi think the players are oerpaid. melissa: my family is tampa bay did bay fas and those games are getting emptier because they're not playing well and people are voting with their dollars. when you see ceo running a company, you don't like it. it's the americaw. we vote with our dolla on show, i give you the lat word. >> i like that. we vote our dollars. we have to pay more attention to both sides of the salaries,

except for the fact that i look at the families who suffered paying high ticket prices for baseball games. the. melissa: guys, thank you to both of you. next up, a very special holiday edition. who in washington would make this year's naughty list? send me a tweet next. ♪ ♪ rocking around the christmas tree ♪ ♪ test test test test

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melissa: it is time for you to let loose and tonight's holiday edition. david asman is here to react with what you are shouting about on twitter. first off, who in washington has been naughty or nice? john boehner. senator harry reid. another. harry reid has to be a tough choice. merry christmas. and no such thing as a nice list in this case. >> that is harsh. >> let's start at the top, president obama, for making promises that he couldn't deliver on. melissa: that is very knotty. >> leading the nation down a path dependency instead of independence and always accusing others of harsh rhetoric when he is the one whodoes it. and then you can see the other one i have.

>> there was someone in between. >> yes, he is allowing himself not to be pushed around by politicians but also by wall street and the common man suffers as a result. melissa: chip wilson, the founder of lulu lemon, said the reason why the pants didn't perform well, he said it's not the pants come into your big fat butt. i think he said slightly different words, but a lot of womeinside the beltway and without a belt. we were all about that. >> okay, again i started to talk about this, ted cruz, he stood up on principle. when everyone else told him to

si down. even as they were public and opponent, like john mccain, calling hi stupid. and he proposed measures compared to wifebeating. and now they are supported to most americans. for placing his party in crystal-clear oppositions to a vastly unpopular party just before the nature of the election. melissa: so what about jeff bezos? i mean, he knows how to take risks. >> that's right, some people have a problem, but he definitely knows what he's doing. >> it was just like so much, i was trying to figure out where to draw the line. next up, is it okay to re-get a

present? fox news has shown that up to 70% of people are okay with this. and just make sure that your original gift or is not the recipient. anchia pets are the only things that shou be rejected. finally, so have you ever rejected? >> yes, i have. i got my wife all this stuff and we traded i in and these cufflinks were as result.t. that is eturning. >> it was repeating to myself the. melissa: are you unclear? >> you just give gifts and then hey go their merry way, wherever they want to go, if someone was to rejecit, it's

totally up to them. melissa: it can be very dangerous. i just don't know. >> you can do if youguess what everyone. even if it's giving them to others. melissa: coming up next, why investors could soon be ditchi investors could soon be ditchi warren this is the quicksilver cash back card from capil one. it's not th"limit the cash i earnvery month" card. it's not the "i only earn decent rewards at the g station" card. it's the no-games, no-signing up, everyday-rewarding, kung-fu-fighting, silver-lightning-in-a-bottle, bringing-home-the-bacon cash back card. this is the quicksilver card from capital one. unlimited 1.5% cash ba on eve purchase, everywhere, every single day.

so ask yourself, what's in your wallet? see who does good work and compare costs.d-- everywhere, every single day. it doesn't usually work that way with health care. but with unitedhealthcare, i get information on quality rated doctors, treatment options and estimates for how much i'll pay. that helps me, and my guys, make better decisions. i don't like guesses with my business, and definitely not with our health. innovations that work for you. that's hlth in numbers. unitedhealthcare.

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melissa: tonight's business blitz. target is being sued after credit cards and debit cards were ompromised. to gy smith on what is going on.

stay away from target stock until this blows over? what do you think. >> but a lot of consumers felt the same way. but we are not going to know if the damage is significant. >> this is like a natural disaster, a hurricane, whatever, it just happened to hit in a town and a country and coastline melissa: it happened to people who are going in on foot, you don't expect it in person. i feel ike people are gointo steer clear of this for a little while. >> i think the average consumer ignores this and i think they come in and say that this is terrible. and some will avoid it. and i think that -- f it drops

any further, i think it's a buying opportunity. melissa: a new study showg that we have a new struggle with innovation. so maybe maybe we should be part of that. >> yes, i have become a little reticent about technology and innovation. and you're happy to sit back. and jeff bezos was 33 when amazon went public. and so what does that tell you? >> i don't know, this is like you can't teach old dogs new tricks. and they should demand their mone back. >> exactly. the one thing, i would have a different opinion because the one thing that the youngsters

don't have that experience. so i'm going to go with the older ceo becauseethey got thoe two factors. i don't care what kind of technology they have at their sposal. >> just determine the last time we said we didn't need to liten to warren buffett anlonger. it was right before the intern bubble burst. and n he has lasted all th way since then. >> is always the excepon that proves the rule. name another individual that has turnedhings around. i think that lewis still still shy f 50 aresold under my avengers 51 we turn this around. melissa: what we sang? >> look at guys like rchard branson. turning money out of souvenirs. he gets an idea. jeff bezos ishe same way. he understands how to take risks. i think there's a lot of guys

out there that do. and this includes what tools you're using to do it. see what you trust those guys? is that inspire confidence? is an inventor and innovator. >> bill gates, just with every one of these guys, steve jobs, they need this. the guy brought in a guy from pepsi, i think he brought it in to help at a time of transition. d i think that they do need light hand they can learn these skls and move on themselves. >> he seems to be able to reinvent and remarket again and

ain. >> yes, i think tht elon musk is part of this and i am fascinated. there's nothing he can't conceive. melissa: here comes the beautiful music. it is time f the nightcap. gary smith, were you watching this week? >> i am watching the cedit card mpanies, mastercard and amazon. they are making ll kinds of l-time highs. maybe that means that i have underestimated things. >> i am watching holiday car.

>> i want to know what that customer is doing and we are leveragi it up to and gentlemen, thank you so much. merry christmas and happy holidays. don't forget to watch me on "money with melissa francis." 5:00 p.m. eastern on the fox siness network. thank you for watching. ♪ ♪ .

ladies and gentlemen, "imus in the morning." >> he's here coming up. then bo deedle will come in and talk about wall street which bo is in, and i didn't pay much attention to it before and i don't know what it's about. it's about some guy? >> dagen knows a ton of it. bucket shop brokerage opn a