it has been great. >> come back later in the week. david: we've got big market stories tomorrow as well. >> guess who is coming up? our own melissa francis. "money" coming up in just a moment, we'll see you back here tomorrow. melissa: the first full week of the new year and a new "money" update on the health care hell. did you know if your personal information was hacked or breached through the federal website? the government has no obligation to tell you! of we have a congressman leading the charge to change that. even when they say it's not it is always about "money." melissa: it is the start after new year. all eyes on obama care. not so much on enrollment numbers anymore but all the personal data possibly breached through the website. can you believe the government doesn't have to tell you if your information was stolen?

can you believe that? some say clearly that has got to change. tennessee congresswoman diane black is one of them. the hits just keep on coming with obamacare. this i was really surprised about. what can you do to change this? >> i have a bill and, fortunately our leader has dedicated time this upcoming week to make sure this legislation does get passed or at least a form of this legislation that would require the federal government to do just what our exchanges at the state level are required to do and what the private sector is required to do. if someone's information is breached it should be the responsibility of the federal government to let the individuals know that so they can take the proper measures. melissa: you mentioned that everybody else has to report to you if your information has been hacked, whether it's a private company or it is the state websites? how did this happen, that wasn't part of the law? >> well that's a very good question. we know from testimony at various committees that the administration and in particular

kathleen sebelius has said that there were experts who recommended it but they did not3 include it in the final rules. so that should been included. it was a decision that was made. it is not as though just something that was forgotten. it was intentional they would not include this. as you already said some of this is a matter of money. some of it is a matter of time. but we have a bill that is going to require that to be done. it is absolutely necessary. there have already been 33 different security instance that is have happened and there is more yet to come. the website as not built well to begin with. melissa: 33?3 >> 33 that we know of. melissa: i was going to say that number sounds incredibly low to me. very hard or me that everyone in the world knows how vulnerable this site is and up for this amount of time and only been 33. wouldn't be surprised there would be 33,000 or three

million. hard to believe it is only 33? do do you think we know all the facts? >> i said that is what we know of. there may have been more. this site has not been secured as experts recommended. going back doing that now is very difficult. i had one person who is educated in this area tell me that trying to redo a website, to make it sure is like having a car where you built the shell and put all the guts into it. really i'm impossible to do. melissa: no, absolutely. we had many experts on the show, like a house without a foundation, whatever analogy you use it is almost impossible to fix it. realistically what do ou think can be done? it does seem clear, if we continue with this system, a new website needs to be built and then maybe everybody's transferred to it or something? fixing this one isn't going to do the trick from a security perspective? >> certainly that would be a recommendation from people who are more educated on how to do a website and security measures than i am but everything i'm

reading is telling me that it is not possible to fix this. however in the meantime, it should be incumbent upon the federal government, to be responsible to let people know when their data has been breached so they can do what is necessary to protect themselves from identity theft and for cybersecurity. melissa: i know majority leader cantor has taken up this issue as well. what do you think are the odds that you will be able to have this on? there are a lot of problems with website right now. to get people to focus on this, it doesn't have to be reported to you when your information is hacked could be difficult? >> i can't imagine, anyone, any legislator, any congressman saying they don't feel this is necessary to protect people that they represent. i absolutely think this will pass. we'll pass it over to the senate to see what they have to say -@about it. i don't think my constituents would be very happy with me if i didn't push forward to make sure their most personal, sensitive information, their date of birth, their social security

numbers, their telephone numbers, you will all these things contained in that, then we have you will at navigators out there signing people up that don't have to have security background checks? amazing to me we wouldn't be requiring the federal government to be responsible for data breaches. >> in the meantime, what would you be saying to people? i've had security experts on the show they would tell members of their family not to go on to the website and not to sign up and not to enter their information. would you make a statement that strong at this point? >> i would be very concerned about putting my information out there. that is all i will say, they will have to make that decision. they will have to weigh, whether they think their information is safe enough and that they feel this is the time that they really need to do, what they need to do for the insurance. but i just would caution them that, we can not assure them this information, number one, is not going to be hacked. and that number two, if it were they will be notified. melissa: eeen know about it, right. your information could already

be stolen and you have no idea. nobody has the obligation to tell you. i can't believe that. congresswoman, thanks for coming on the show and thank you for shedding light on issue. >> thank you for having me. melissa: history in the making as senate votes to approve janet yellen in just minutes but could her rein do more harm than good? reign. find out why one senator is standing firm and voting no. america's favorite duck family is back this time. they want you shooting alongside them. see how the robertson dynasty is shrugging off the media storm by launching its own line of firearms. more "money" coming up. [ male announcer ] hands wermade for playing.

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melissa: the battle is on. should college athletes be getting paid? both sides of the debate are coming up but first let's hand it over to fox news's william la jeunesse who has the scoop on latest going on with this fight. william, do you think this could turn into a pay off for play officers. >> reporter: ultimately yes, that is what people say eventually is going to happen. the question is when, not will it happen. how much will they get paid?

will it include all sports or just say basketball and football? what about women and men? the question of course, the thing that is driving all this, there is a court case. there is now a college players union. and you also have the question of fairness all driving the debate. this year's bowl season payed out more than $200 million. annual tv rights for major college football, 20 million per school, per year. not to mention ticket sales, marketing and five billion in t-shirts and jerseys. >> this is run like the nfl and nba. every inch of it is sold and every inch of the athletes is sold. anyone that couldn't get to participate in the business are the athletes. >> reporter: many say it is time to end the hypocrisy. they say thh athletes should not be paid because of commercialism. >> everybody get as part of this.

the coaches do. the universities do. the shoe companies do. television does. everybody who is participating in this is benefiting. everybody except for those who are on the field. @olleges pay athletes through scholarships and salaries would ruin the college brand yet the ncaa has no problem selling their success. >> the kids that come through the ncaa, the system, deserve better. >> reporter: once the face of college basketball, ed o'bannon won a championship at ucla only to learn that the ncaa sold his image to a videogame company without his permission. experts say his lawsuit will likely answer this controversial question. >> should student athletes be paid and to me that is not the right framing. the issue is, should they be restricted and why? >> reporter: coaches urge players to practice full time and avoid class that is could ollege unprepared.lity. >> most of the top division one

athletes never have a pro career and regrettably, very large numbers of them, never come away with a college degree either. >> reporter: how might this work? well a university could set up non-profit that would take in revenue from tv and employ the student athlete as an employee. there would be annual salary cap by ncaa that would prevent schools like texas or ohio state from outspending everyone else. ultimately they believe the courts will impose this on colleges to play players like events we'll see tonight that generate so much money and none of it goes to the athlete. that at least is one proposal out there but there are many. back to you. melissa: william, great reporting. you can really see both sides. thank you so much. so should college athletes be paid for their performance? here to settle the score is sports aficionados steel ol' nick and mark lipsfelder. mark, what do you think?

>> absolutely. melissa: why, why? >> the universities are profiting significantly. the coaching staffs are profiting significantly. every aspect, all the sponsorship dollars involved. melissa: everybody is making monny but them? >> absolutely. melissa: how does it change the game? they're kids. >> absolutely. most of this is joke. first of all you're getting free education. student debt is at all-time high for a lot of students. a lot of athletes, one, can't play professional sports. less than 1% of actual student athletes -- melissa: on the other hand aren't a lot of kids going to school for free they're on sports scholarships, they're getting paid but not accruing the debt you're talking about. >> are they getting paid to pay the sport. melissa: you're saying ostensibly they're getting paid already? >> they're getting free education. >> they should get free education and get stipend. figure it out. the ncaa which has a lot of

hypocritical aspects to it, all the smart people there should figure out how to, whether it is via conferences and all kids, whether division 1-a athletes, male or female, figure out what the stipend will be. maybe boosters will not apt to take money from boosters and scandals that erupted all these years. melissa: does it turn it into professional college sports? then they're not college students anymore? they totally, william was making the point they're encouraged not to go to class and not take class that is will bring down eligibility but is that the final move? once they pay them they stop going to class and no one cares. >> sorry. that is a players association. you want to remedy the whole situation? have leagues allow them to become professional athletes out of high school. nba used to do it. now we're not there yet. statistically, because of the money, a lot of these guys are broke. >> would they stay in school? would a kid who is wonderfulling stay in school a little longer

if he knew he had, whatever that number, 20,000, 25,000 coming in the stipend above free education and meal plan and room and board a scholarship athlete gets. had a few bucks to take his girl to dinner, doing this, doing that, instead of making dumb decisions they do because they're desperate. would -- of course they do. not all going to go pro he is right. if they had their few bucks in a pocket could change decision making while at school. melissa: we're talking about a few bucks. there are coaches -- >> making 5 and 7 indollars a year and skip off whenever they want -- 5 to $7 million. melissa: auburn's coaches if he wins gets $625,000. florida state, gets $325,000. for how many people watch the game and the big a boost to the school that doesn't sound like a lot of money. somebody broke it down it would be worth -- >> what is university making that wins tonight? melissa: a fortune, i'm sure.

why isn't tte coach making more? >> get to go to sizzler. >> how much will you pay a gymnast? or -- >> figure it out. >> baseball player, that his scholarship is you know, divided up. >> like everything else in the world it would be proportional to revenue bringing in. >> correct. melissa: if you're a football player you're worth a lot of money. the school is making a fortune off it. it seems to me like child labor. you basically have the kids out there working for free. you're making money off that and they're not getting a piece of it. it is ugly. >> correct. >> we're missing point, thess are student athletes. >> i agree with you, but the bigger picture at all the people making money off the kids. you add in fact a kid in new jersey is buying texas a&m. is not buying that jersey because of tex salves a and m. he doesn't get a pies of that pie? >> he is going to school for free. melissa: that is one of the things? are think going to school? are they finishing?

are they getting degrees -- >> there are good student athletes out there. >> no question. >> take school very seriously. that are very good college athletes. melissa: so should those students be paid? >> they go to school for free. no. what is value of degree from harvard, cornell, duke, stanford, virginia, northwestern? i went to northwestern for law school. i mean it costs a lot of money to pay that back. melissa: mark, what about that? >> you talk about kids that might not have an opportunity for education otherwise? education a lost waives is priceless. you can do something infinite with it over time when the career is over. >> yeah. melissa: you can have a job and life where if you didn't have education it would be much tougher. isn't that valuable? >> its valuable. i don't know that it is invaluable. it would also be valuable, the kid, whatever it is black, white, doesn't matter if they had 20,000 or 25,000, a stipend i know i can go put fast in the

car. don't have tooget rich but they shouldn't be hungry. melissa: great job. interesting stuff. coming up history in the making. janet yellen set to become the new fed chairman in minutes. the senate votes at 5:30 p.m. our next guest says he is voting no and is coming on and telling us why. your trip to the supermarket will never be the same again. brands and sensors know which aisle you're in and which can of beans you're looking for. i don't know about this. is this pro-consumer? sounds creepy. we'll be right back. it's just that i'm thaworrieabout, you know,s. "hidden things." ok, why's that? well uhhh... surum...!!! we, i's true. at ally there are no hidn fees. not one. that's nice.

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melissa: history about to be made. the senate is set to approve janet yellen as chairman of the federal reserve in a few minutes. if confirmed, yellen will be the

first woman to head the federal reserve in its 100-year history. not everyone agrees she is the right choice for the job. joining me from capitol hill, republican senator john hoeven, who i understand, senator, you're leaving to go vote when you're done with us, how will you street? >> correct. i will vote no. i'm concerned about miss yellen's approach to monetary policy specifically quantity quantity. melissa: why? what is it that concerns you? i feel like with the move we saw ben bernanke do as his last move a slight tightening that signal she would come in and do more, paving the way for her, that doesn't make you more -- >> we haven't seen that same kind of commentary, out of ms. yellen, i think we need to. we don't get into a situation where we're devaluing the dollar and running risk of inflation both now and down the road. melissa: she has made comments that make you think she is

pretty focused on inflation. she said the fed is determined to insure we never repeat the experience of the late '70s and '70s when the fed didn't respond forcefully enough to rising inflation. you don't think she would respond forcefully if we saw inflation finally come into play here? >> i'm concerned what we're see something a continued quantitative easing, in other words, continuing to put money in the money supply and increase the money supply. i think that is reflected what you see in the stock market. that is a leading indicator running ahead of the economy aad i vane seen the kind of, willingness to make sure that they slow down the growth in the money supply that we need. melissa: what do you think? what is the negative externality of that? what do you think is the danger in like i said we haven't seen inflation yet. do you think that is coming or we create ad stock market bubble? what is your worry? >> i think you create inflationary pressures that you devalue the dollar. you get into a situation instead

of doing what you need to do for the economy, which is reduce the regulatory burden, hold the line on axes. make reductions in spending to get the deficit and debt under control, you get kind of a false pickup in the economy that is going to lead to problems down the road. melissa: a lot of things that you just discussed, about tax policy, about regulatory environment, are all sort of your job and not the fed's job. so, i mean, how do you think she is going to impact those things? i mean stopping her isn't going to help the government cut spending or stop regulation or the other things you mentioned? >> i really appreciate that question. that's the whole point. we need to reduce spending. we need to reform the tax code in a way we're not raising taxes but we're lowering and broadening the base. we need to get, reduce that regulatory burden, get the economy growing through those steps, not through artificially inflating it through

quantitative easing. melissa: she focused her academic research on cost and causes of unemployment and how dangerous long-term unemployment is. does that, does that make you think that she thinks that is a problem the fed should solve? and do you think the fed can solve that problem? >> my concern she is reseparate tiff to the administration and their desire to use quantitative easing to promote the economy and get it going rather than undertaking the fundamental steps we need to take which i have just described. melissa: yeah. 55 senators are supporting her. you know word is that she has more than enough to get through. what do you hope to accomplish by voting no? >> make sure that when she talks about insuring that, in monetary policy we have the necessary fiscal discipline, that she in fact puts into practice. melissa: did you have another candidate in mind you thought would be better, somebody else you were hoping for? >> i think there are any number of candidates that would be good but primarily one in terms of

monetary policy i guess not as lenient. melissa: yeah. senator, thank you so much for coming on. go vote. thank you, melissa. you bet. melissa: coming up are you more depressed than usual today? jjin the club. studiessshow blue monday is the most miserable day of the year. that's today! tweet me. tell me what you think. our money talkers are as moody as ever! battle of soup makers on wall street. they are making money in the cross fire. stay right there, "piles of money" coming right up on this moody monday. i always say bthe man with plan

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♪ melissa: for private space travel, the future appears to be now. moments ago one company lost its third car so satellite.

this comes after the third delay and spells big things for the future of the commercial space race. what is the latest down there? >> reporter: well, the latest tg itself for the second time in a month and has a long way to go before this mission is complete because on board, the payload, a communications satellite. the mission is to go to geostationary orbit, 22,000 miles above the earth. the polar vortexes freezing the country has also significantly dropped temperatures and florida, but whether or not -- whether was not an issue for a loss. wednesday from virginia oral sciences, the plan to launch the famines carter ship to the space station in which it first bid in september. american companies shifting from cargo eventually to crew, as an

astronaut spirit that is on the horizon. sierra nevada and tends to pilot for the first time a test flight of its dream chaser space craft. boeing has a crew-capable capsule and development. and boeing and space x are all banking on nasa certifying them this september to do with the space shuttle used to do before

american based companies intend to be able to replace that by 2017. sierra nevada "says 2017. and space x, the intent next year to put a person on their dragon. melissa: very cool. phil keating, thank you very much. don't be surprised if you're feeling a little down.

it is blue monday, the most depressing day of the year. as an extra bonus it actually came two weeks early this year. we went out to see people know about blue monday and whether it is real or just an excuse at it. let's go to our super excited -- panel to weigh in on this. what do you think? do you feel depressed? >> it is a tough day. the holidays. they come back. not only back to work, but staring at his longtime friend without a vacation.

we see a huge rise in job searches because the bill are realizing that they are not content. is the feeling that. melissa: i understand that, but i was like to my kids go back to school. i am back to work. looking at the new year and what i want to achieve. are you with me? >> i don't know 100 percent. i think it is a little bit doom and gloom. my employees at the old company, there is just a sluggish pace, and it is a little bit concerned the weather absolutely sucks. people are evaluating. many people in corporate america are not happy. this is the time to look out and say -- melissa: people woke up this morning saying credit ard bills are coming in from the holidays, remembering how much you a debt of these parties. you probably drank a lot over the holidays. there are a lot of factors.

>> i would be depressed. you bring a really good point. going back to work on monday is a confrontation with reality, so there is something about the weekender even vacation where we give ourselves permission to have fun. i think especially on top of the new year where there is this expectation, we go back to work then realized, wow, same old stuff, different day. >> a lot of people are just not happy in corporate america. notice 2014, and they are back.

stick toothem. seven of ten americans are disengaged with their job. [inaudible conversations] >> it is dark early. not having the light. so you have this added affected people over eating, overspending , feeling their lives should be different. it is dark and cold out. >> my wife turns to me and says either get out of bed are you are on-the deep. >> and you are the ceo. three hours late to work today. >> it was actually three and a half. sni was that an appointment. it. melissa: s terrible. >> and a russian to work and does look busy. it seems to work. melissa: the folks that we ask,

are you tempted to call in sick today. they were thinking about it. you almost did it. >> i did. >> i work for myself. i have the capacity to organize my schedule. i feel very fortunate, but you know, after the holidays is a live of a letdown to allow high expectations, and some times than not met. melissa: the most popular day of the year to get divorced in the u.k., the monday after the holidays. is that the president? >> it is great for dating sites. it is great for dating sites. >> too much time together and the family stressors. melissa: people are out there on dating website is trying to find someone new. you have to look at it as a new opportunity. >> i agree. melissa: thank you.

even more depressed. i don't know. coming up, you better duck and cover because the branding machine has gone into overdrive. this time the deck dynasty folks have their own range of firearms to sell, and they did not even need help from a and b. is this a stroke of marketing %-at the end of the day it is al about -- ♪ [ male announce] e new new york is ope

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♪ melissa: everyone knows they cast has been embroiled in controversy for the better part of the month. you think they are laying low, you are dead ducking wrong. they have partnered with mossberg, and they pulled off the deal without a&e, which means the network that made in millions is not getting $0.1 a profit. talk about giving him the bird. firearms expert patrick would.

let's talk about the guns. you brought a gun with you that is from this same maker. what kind of firearm that we were talking about here. >> this is one of the 12 models. producing and cooperation with mossberg. the difference that uc in the dark commander line will be a true grow, true be fiber optic front side. it will be dipped in real trees, 2014 new macs five chemo and have that back commander logo as well as red, white, and a blue bandanna like the one worn on the show. melissa: it will be a lot more expensive. you know, $957 versus -- there we go, 682 for the standard model. is it worth that much more? say you have a "duck dynasty"

can? >> they come with additional modifications. the site and the cattle are worth quite a bit of money. melissa: are they worth that much? >> it may be marked up a little bit extra for novelty, but it adds something to the base model. this tips and withhthe logo and a bandana, which there is some novelty, the dutch commander name carries a value, a brand of quality and value. they have done some cartridge bags, ammo, so there is some poll in marketing just with that brand. melissa: but they're pretty serious about their weapons, hunters. do you think that someone who is serious about hunting with really bygone because it is from "duck dynasty" court endorsed by them? >> you know, i think that they would take into account the fact

that mossberg actually engaged to the gentleman from it "duck dynasty" to design their new shotgun. they were the ones that recommended this site and the camouflage. so from that perspective, probably so. they are well regarded in the duck hunting community. and keep in mind, mossberg is a good value, quality shotgun. it is a terrific weapon. melissa: to you think they would carry out the controversy that has been going on with phil robertson's comments? with day care? would it make them want to buy the gun more or less? how would it in back the sales? everything we have been hearing in of the press around it. >> candidly, and disasters i deal with on a day-to-day basis and largely republican, a largely christian, and i don't think that they are going to be as sensitive to some of the recent scandal as some other groups of people might be.

melissa: interesting. a recent gallup poll showing us that gun ownership is significantly down. what do you think is cause that? t think it is turning around? >> i have to think it is turning around. what i feel on a day-to-day basis is sales are strong. they have grown significantly over the last three years and have had their ups and downs. but it seems to be of little steady inclined. it is not just an incline in people buying. is an incline in senior citizens. the group of people coming in to the shops trying to buy their first, second, third guns. melissa: do you pre order? can you alreaay committed to selling it? >> absooutely. i think it will be a hot weapon. the novelty will carry some

weight. people like the back -- "duck dynasty" died. mossberg is a good quality value. shotgun. i think it will sell well. melissa: i want to see if you will put your money where your mouth is, and it sounds like yes. thank you for coming on and bringing a giant gun. >> thank you. happy new year. melissa: that is will we need. a giant gun of the show. we all love phones are smart, but now they know what you're doing at the grocery store of all places. one developer that was to track your as you browse the aisle. is this helpful or does it go too far? don't go anywhere. you never have too much money are too much gigantic guns on the show. ♪ [ me announcer ] this is the story of the dusty basement at 06 35th street the old dining table at5th and hoffma ...and the lite room above the strip mall f roble avenue. ♪ thisagic momt it is thetory of where every great idea begins.

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melissa: it's time for a little fun with "spare change." starting today, a company called in market has turned on a network of sensors and dozens of brush restores in cleveland, seattle, and sentences go that will track shoppers mooements and companies can being customized ads directly at the smart phone. for instance, your phone will receive coupons for potato chips when you walk down that aisle. do you really want some company tracking your every move? we are joined by the founder and ceo. thank you for joining us. does it just popped up on my phone? >> thank you for having me, melissa. -ne of the first question as you mentioned about tracking versus actual broadcasting is understanding how this analogy works. the great thing about this technology is it is all responses. if the consumer is interested in looking at coupons and learning about what is available

end-store, they can use the technology. melissa: tell that to me in regular people terms. do i have stopped in? how does it actually appear on my phone? >> if you have one of our apps when you walk in the store you might get a particular reminder. you might get back customized coupon. if it is like a shopping list or i might want to know what my wife was we pick up from the store on my way home for dinner i get a reminder. as we build up new technology it's about how we make consumers lives better. melissa: my concern was not about being tracked but the grocery store is the last place where people are walking with their eyes a been looking what they're going. you're pushing the cart and looking ahead. eros in the world, people like this everywhere. there never looking a bit longer. this is a last bastion of where

people were being human beings. nagger coming in this. but you doing to prevent accidents with grocery carts? >> we are planning some grocery cart air bag technology in the future. in the meantime i think we are far past that. a recent study, money imams, 80 percent say that shopping on the phone is the number one use of the half. now sleeping is the only place you may be will to get a welfare reform. it is not that we pushed it but that consumers have pulled it. melissa: you are a good sport. how'd you pay for this? who is paying for the ads and the rfid chips? >> a number of brands and retailers and have been for over four years. the way we look at it is consumers are spending so much money on mobile lead brand dollars have been slow to shift. a huge conflict and opportunity,

brands are returning mullen meals and these new mobile users. melissa: so like procter and gamble? >> exactly. we work with folks like procter and gamble, coca-cola common lastly, the brands we work with, over 100 in the last four years. melissa: has the grocery store make any money off of it? >> right now what they're in the business of doing, they ultimately want to have more sales in the store first and foremost. these brands spend millions of income dollars to help promote shopper marketing. so successful, able to prove the we have been of the last couple of years, these particular brands lift into same-store sales. %-for a second, you're saying tt

they do not pay you directly. they don't get paid, but they grocery store benefits because in theory you sell more potato chips as well, but it would be like procter and gamble. how many brands are doing this so far? >> we are just rolling this out today. working with a number of brand partners. we are excited about getting the technology and stores that has been talked about for over six months. during their research and development to make this happen. it is a monumental lake. really get the benefit for the brand and the consumer. and many times have you left the grocery store and realize you're out of toilet paper and you should have brought it on your last trip. melissa: thank you so much for coming on. this segment is called "spare change." we wanted to tell people how to save a little "spare change." i think you helped us. coming up, who made "money" today.

a hostile takeover brewing on wall street. these investors are making serious cash in the process. have you figured it out yet? keep watching. you can never have too much "money." ♪ welcome back. how is everything?

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♪ melissa: whether it's on wall street or main street, here is to make -- today. everyone who owns joseph a. banks. the larger rival made an unsolicited offer of over one and half billion in cash coming less than one weeks after they pulled the plug on their takeover move. investors like in with the year. the stock jumping around for a half percent. this the note bones around under and 32,000 shares. not too bad. and making it "money" at the box office,,disney, the animated when to remove the be all others

for the number one spot this past weekend despite having been out for seven weeks already. the movie is also passed the $600 million mark in total receipts making it one of the most successful movies of all time. good for them. and like the to make people more money in the next few months, a new study shows that women who drank a glass of wine each week well there were pregnant and children who were more well adjusted and better be a. researchers in denmark tracked the drinking habits of 100,000 expectant moms and came back years later to find out what the kids with the wine lovers were like emotionally. there are more stable. interesting. got to be said though, of course, others were urged not to go out and get crazy, but i don't know. research's research. that's all we have for you today. i hope he may "money." tune in tomorrow to find out why one company says 80% of super bowl ads don't help sales.

so why is everyone spending millions for just a few seconds? wait until you hear this one. it is tomorrow at 5:00 p.m. the latest on everything "money." we will see you back here tomorrow. "the willis report" is next. ♪ gerri: hello, everybody. i'm gerri willis. tonight on "the willis report" a where a warning of danger from the national weather service has a good deep freeze cribs the nation. >> adelle number five ever seen it this cold. gerri: well will it take to get the federal government out of the mortgage business? and the price war is on. mobile phone companies offering consumers hundreds of dollars to switch. bear watching out for you tonight on "the willis report." ♪ gerri: wel