>> they are the good news. but the bad news is in there and ste capitols everywhere they keep adding more red tape. the willis report is next. gerri: hello. tonight come on "the willis report." the scandal widens at least six other national retailers reportedly packed. is it legal? the man arrested for warning to other drivers about a speed trap is said morally wrong to make money on companies like apple and one is here to tell us why. on though "willis report." gerri: a shocking discovery

tonight more retaile across united states are under attack by the same now we're used to hit targets. the creator is a 17 year-old russian teenager the new york timesays reporting the security breach at neiman marcus started last summer, months ago. we have chairman of the commerce manufacturi and trade subcommittee that is a holding of hearing on the breach next month. we just heard as many as six national retailers may have been hit exactly like target what do you think of that? >> it is massive. this is a very dangerous, a sophisticated malware that is in the hands of russian

criminals and the kids. i want to compliment target. not only has this complicated now six others are currently endure attack but yet they are the obama and stews stand upo talk to us and congress while others walsh. i appreciate that. gerri: they will appear at you're hearing but i am not pleased with the target by a long shot. they have known for weeks the and weeks there were problems and did not alert consumers. that is not acceptable. >> neither did the others. since our investigation what we are told, especially by the investigators that they don't want to have the information released too soon because they don't want to support the investigation. we are past that point now. we want to with this massive

attack by the us in ticket even though it is a 70 neil that developed the software that we know how to protect consumers going forward. question. t targets says what happened to the end of december will cost $80 million others say 1.8 billion 2 billion has been carved off with the value of the company and the stock market. millions and millions of dollars to reiss credit and debit cards. i saw the description for your hring something like checking out how consumers are doi. don't we have to do more than that? but europe absolutely, do you kno that north korea is ahead of this country? they have a chip and tin technology.

we don't. what do you see -- say? >> i believe that will haen i the security of the customer card will now be the front line instead of relying on the retailer with their system to have all of the protections. no doubt the chip and kids is a higher security model. gerri: what is standing in the way? a lot of people like you and me and who are profeionals say this is the way to go. >> there is a lot of equipment that would need to be changed out this billions of dollars of new spending thre would need to be some training for consumers on what extra steps they need to take but we have to move in that area. weave to up the level of security. gerri: t.j. max their breach

happened six years ago. americans think everybo is protecting themselves but nobody is protecting me. at the end of the day a hearing is nice but when will you do something? >> we have to figure out what we need to do. first we have to protect the consumers wit their personal identifiable information that is a dangerous combination. are their systems able to stop these? now what can we do more? and at what point in time is appropriate to notify the consumer? that is the trigger point. when can say provide the information to the consumer that their information has been obtained by somebody else so they can protect themselves? >> garett is laws on the

book about battle ready. by the time you aae notified with the damages done. mean the protections before the hacker starts. not after. civic the protections have to be there. of chip and pin can help with that. gerri: i hope in have been sued. we look forward to your hearing. thank you for coming on. to drop the ball? we don't know with more on this president and ceo of the national association of federal credit unions. you have beenuite outspoken about your views. food you think is to blame it? >> it comes down to the retailer is not protecting the network. a the hacker's guide into

the point-of-sale terminal through the network. with strict guidelines of protects the consumer data retailers don't have that. gerri: national retailer federation said it is not as we need the banks to do more. what could you do? chip and pin? >> that is one area people are moving to budget cp and pin is no the panacea. no matter the outcome at the terminal the breach occurred at the network level at the point-of-sale system. of they have to have laws on the books that has to protect consumer information gerri: six national retailers have been hit.

not just the target and neiman-marcus is seems you will get a real outcry saying this has to be fixed. so far they have them lackadaisical but what are you prepared to dof it gets ugly? >> i was on the phone this afternoon with the congressman that his phone is ringing offhe hook. i think we will. he will have a hearing and we appreciate those. the time is now. the american sumer needs to have the national standard to protect consumer data just like credit unions. gerri: this is a rlly complicated string of transactions just for a simple credit card transaction. so what part of the transaction are they screwing up? gimmick they need to protect

their networks better. this is nothing new. a lot of these breaches will keep going on and you'll hear more than just six other retailers coming forward. they have to do a better job to protect consumers information into a plot up a better fireball. they have that technology and they can do that. gerri: you have to reassure cards, bank of america, a jpmorgan chase thomas to the group, i assume that is a cost to the bank? >> yes. we have to reissue cards to protect the consumer for credit unions that want to protect their account informationnd personal information so sometimes a new card is the best way to do that. that could cost anywhere between five or $10 per account the plastic cost

many the postage, a printing and the labor. gerri: who would pay for the of chiand pin technology? >> the retailers as well as the financial institution. other retailers claim we ought to go to chip and pin but those who don't want to invest to change their terminal. gerri: are you willing to pay your part? >> they are moving foul play. gerri: and should just be faster. is instry agreement 2015 lie not this year? >> it should move sooner i agree. gerri: thank you for your time. what do you think it? our retailers pay lip service?

i wiill share the results at the end of the show. we have more and more to come not only the land of the free but the land of millionaires. more of thein-depth" look of the security breach exactly where your information goes every time you swipes' that card. stay with us. ♪ welcome back. how is everything? there's nothing like being your own boss! anmy customers are really liking your flat rate shipping. fedex one rate. really makes my life easier. maybe a promotion is in order.

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you don't even have to switch. unless you're scared. i'm not scared, it's... you know we can still see you. no, you can't. pretty sure we can... try snapshot today -- no pressure. gerri: with assault many questions we want to show you just what happens when you swipe your card at the store the process is pretty much the same on later in the real world. next the retailer says the information to a payment processing company for approval. it goes from there to the company that processes transactions then goes to the credit-card network like mastercard. then to the banks that issue the card than either your card is approved or declined

a and that goes back up the line began. the approval seen at the clark -- by the clerk can finish the sale. then at the bank sends money from your account to the retailer bank going back to the network with the ansaction in to be complete. we have the president of optimum capital management. great to see you. we apprecia your time. we have been looking at this story four days. consumers don't realize how much goes on from when you swipe the card. >> there is a lot transacted at the same time. there is good guys the and bad guys they try to keep us secure but then you have the bad guys they get paid to take your information in. more and more than they are

paid to. they say the trojan malware was one of a percent not detectable by a nt software. they created something that was impenetrable. it got into this system at point of service. gerri: i don't accept the idea figure this out. we need to protect consumers >> talk about chip and pin that came out in the early '90s. it is well beyond but who will pay for it? merchants and banks say it will cost too much to roll it out. looking from another perspective lee b. make sure consumers are protected overall. but at the end of the day this seems the could guys are not as smart.

gerri: radiated to hirehat bad guys. but we thought we would develop this graphicwith 12 times your information flows those are all information but those that targets said we will make sure you are safe but the reality is the does not sit well. >> especially in with the credit monitoring i equated to go to a restaurant if you get food poisoning the would give to the free checkup. we want to make sure you don't get it in the first place. if is a shoe $15 per month but then with this information is your personal information. what about after that? these people are good to keep this information for years and i can say this much for consumers, the days

to make sure the only check theirredit card statement at the end of the month those days are over every single day check your account. they have information where they can alk by you as use like your car they can magnetically take the information from thin air. gerri: should we move to cash? >> no. 1.4 billion and users of this only impacts about 0.1%. t.j. "maxim" marshals had about 60 million sohese's happened but overall still less they and 0.1% i feel

like i'm rolling the dice. >> it will get worse before it gets better and tell somebody steps up. gerri: doeadership. >> the technology is there and the bad guys are smarter than the good guys and the good guys are not paid as much. gerri: good to see you. laer when do you continues with the energy boom leading to a millionaire oil where the richest americans live and what made them millionaires. stay with us. ♪ ♪

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gerri: more americans joining of millionaires' club. what is the secret? one editorial board member joins me now. 53,000 more billionaires' at 6.15 million? >> that is very good news because they pay the taxes. the people at the top are doing very well with of middle-class. i think there are two factors. i think the stock market is raising peoples in comes. people also don't pay attention how did the billionaires' are created by the biggest oil and gas boom in american history. most not even aware of its.

gerri: you were saying if you factor out the oil and gas boom the economy would not even turn over. >> most of the growth of the last four years has come from this one industry. is a major employer provide fn to west virginia, north dakota, texas, in the last four years, texas has tripled the oil outpu. gerri: that is so unbelievable. midland is the fastest growing town in america. gerri: we have the matapan it is texas and north dakota you can see right away the power tell us more. >> those are not just people in the wheel industry -- loyola industry. these all our wheat farmers

all the sudden it is there land. gerri: nothing wrong with that. >> the irony is at a time the president is not a supporter could you imagine if he did? >> barack obama presided over the biggest oil and gas boom over the history over the country. the biggest irony. [laughter] the only thing right now that is holding him back one is we're not doing enough leasing. but we need pipelines. all lots of the drilling is stalled because the dollar tumbled way to get it to the market. of much cheaper way to get it to the market is through the pipeline. we need the keystone pipeline the president talks about infrastructure t this is priority number one.

>> we talk about the northeast in the deficit with pipelines. great to see you. >> more millionaires. [laughter] gerri: we wrap up the users guide to a new year on the losing way. what works and what doesn't and what you need to go. stay with us. ♪ [ male announcer ] this is the story of the little room over the pizza place on chestnut street the modest first floor bedroom in tallinn, estonia and the southbound bus barreli down i-95. ♪ this magic moment it is the story of where every great idea begins. and of those who believed they had thpower to do more. dell is honored to be part of some of the world's great stories. that began much the same way ours did in a little dorm room -- 2713. ♪ this magic moment ♪

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ger: we are 17 days into the new year. how is your fitness plan coming? our users guide comes to the rescue to stay motivated. joining me now celebrity fitness trainer founder of

akt in ocean. you are a celebrity trader. tell us about the celebrities you train. >> i have wonderful clients that are great friends. kelly ripa. great arms, a beautiful lakes. sarah jessica parker even shakira. gerri: you are the place to go but i know people are already dropping out of the program. >> absolutely. every year. gerri: how do you stay motivated? >> jump in ahead of what you are able to do. don't make a you drizzles and baby -- resolution. maybe just to today's. and not everything out of

your diet but blinder to things for you probably last longer. gerri: that is very difficult. there are some tough programs out there to get involved and people get hurt then they are turned off. >> start with someing fun and like we we're doing or you will not go back. also stepped you up mbe wita beginner class or worth -- with a personal trainer at a beginner level then progress versus jumping into something so difficult you cannot keep track. gerri: i think for so many people it is so easy to set your desk but never moved around a. >>. >> day been taking the stairs the great thing about

nike is it encoures you to move. i don't think they give you all the information how hard you are working but they do encourage you to take as many steps as possible. >> what about for christmas. [laughter] >> we to. gerri: we talk about the best diet. >> i am not a big and diapers said we should eat what we like to eat but try to eat small portions five times a day keep your blood sugar going instead of eating three big meals try to eat fe small meals about 400 calories each. gerri: do you ever eats a snickers bar? rebecca never craved a snickers bar. [laughter] >> my dad saying is pizza

the civic is the carbonation of cards and proteins and fats. [laughter] >>hat sounds like an excuse. >> show us some stuff. show us the easy than something more complicated. i will move out of the way. >> did not try this with high heels. [laughter] >> a full body moved so you come down into the squawked shoulders down then jump up to collect your steals. a place like home. [laughter] 123. when t three. don't john david just reach out and come down. come down on the oer leg. although way through to

stretch and all-out to we come down on tuesday of matt into plank drop the shoulders a tried to pick up one leg. don't open the hip. then take it down before the beginning clients i will tak that laid-back and hold that there. everything. how did that feel? gerri: a and you would talk through all of that. we were hoffman and puffing it was pretty sad. [laughter]

>> so nice to meet you. >> i feel better and i did nothing. >> dan to investigate the craze of the biggest trend out there. crossette. -- crossfit. it is like a religion. why is it so popular? >> three things that people would result, community and find. people what to keep coming back. gerri: it seems so informal spirit we have the instructor up front like a group or private trading

that gets people to push harder. gerri: this is not the only way to you do that but you could get free instruction? >> the guy who started it started a restaurant and gave away the recipes. they post every day the workout of the day on your all dash day local gym. that is either because they are looking for instructions or do with faithfully or duet well. gerri: sometimes you don't want to do by yourself. i know there are some issues with injuries. >> with the vote research out it is the same as any of their athletic pursuits for a good you have never done a movement before people

sometimes injure themselves. >> what do you do to get ready? sova fatah i haveeen. >> in the same workout class somebody produce 500 pounds or a qvc pipe. we have people who are losingeight, and they can mix and match. gerri: at any level? >> on 2014 with this idea? >> no faster way. i would say 80 pcent of the members come in and all of them are doing polyps. [laughter]

>> is there any special food? >> although a lot of people from the of pleo diet of the things that you were evolves to eat. gerri: just like food. if you tell someone you aven year's resolutions and what is the one thing you would tell them? >> do something every dayy if you let the dishes pile up you will not clean them. if you r walking or playing flag football if you get into the habit is a lot easier. gerri: the man arrested for

holding up a sign will have the latest on the crazy story. one stock analyst downgrades the stock for moral reasons. [ chilen yelling ] [ telephone rings ] [ shirley ] edwa jones. this is shirley eang. how may i help you? oh hey, neill, how areou? how was the trip? [ male announcer ] with nearly 7 million investors... [ shirle] he's right here. hold on one sec.

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gerri: three major companies downgraded by one analyst on moral and ethical grounds but should that be taken into but held with the investment? for united visors and the analyst himself for standpoint research.

this is practically unheard of a stock analyst downgrading accompanied on the basis of morality. by did you downgrade apple? that is one of the most extreme examples iave ever seen in my 15 years on wall street. sitting on one digit $50 billion in cash and workers in asia are paid less than an $3 per hour they are abused and have depression and some there were suicides at the plant of the supplier. gerri: you are a big defender of capitalism. the stock analyst sees something he does not like and what do you say? >> i appreciate him for speaking but whyid he stop at three? if you look at the stock market, capitalism. free markets. profitability. you are looking at a lot of companies that effectively

should be in his cross hairs if you are in an investor buying stock you buy it to make money and if the company makes moves that may or may not be moral. i agree you should not treat them bay but in a lot of countries poverty's uplifting happens so there is a free market somewhere. >> just as we are in disbelief as people lived to 000 years from now in 100 years there will be in disbelief the way we find out the way we treated th poor people. gerri: but let's get back to your stock ratings. look at the behavior and you rate them not just performance but also how good a citizen they are? you downgraded amazon? >> sitting on $27 billion in cash and in there are

widespread reports that employees were mistreated and abused in warehouses. you hit a couple of buttons on your computer but nobody in the stevens what happens to get the package to you. they are running around the warehouse for $10 an hour so you get your christmas gift on time. gerri: are you concerned a amazon employees are mistreated? civic no. it is a great stock. to his point people of running around with rats with their head cut off aid may not have a job for food while or a christmas. that is the point. he made a comment about the poor people in america. they could have a living@ wage and they have a supportive government you

get very much support in this country tat is why people move here. gerri: do find it more understandable with apple emploes overseas the and american employees. here is another idea. we just got news of fiat cruise cio was fired walking up the door with $40 million casfor i am not sure that should call for a change of reading but stockholders should be up in arms because this is not the way the money should be spent. >> they were. the stock dropped a couple las% to vilify the usee '04 it. but the street for dads stuff like that because somebody will do a good job and then make profits for the company.

gerri: buttery warding for performance it is not a good >> that is not to a news /. >> what i am saying is i am disgusted with what this guy is saying that it has to be a redistribution of wealth in this country with my a self included a relative to the bottom 20%. gerri: now you lost me. >> you could lift everybody up with $15 per hour with health care coverage. gerri: is that what america is about? >> no. you are rewarded for performance and to win well and what you should be doing. that disappoint.

you don't win by giving this stuff to you. gerri: a spirited debate. thank you for coming. arrested for warnings other motorists about a speed motorists about a speed trap. are you flo? yes. is this the thing you gave my husband? well, yeah, yes. the "name your price" tool. you tell us the price you want to pay, and we give you a range of options to choose from. careful, though -- that kind of power can go to your head. that explains a lot. yo, buddy! i got this. gimme one, gimme one gimme one! the power of the "name your price" tool. only from progressive.

>> ab added texas arrested for warning drivers of the upcing speed traps. why did the police arrest him?

will next guest is here. you are squaring off but let's hear from this young man directly. >> they hide behind signs come up with the sun going down without lights i felt it was not safe not just for citizens but for the police officers having to do their job gerri: that is a good point. doesn't he have free speech? >> he is inhe media and of the six lane roadway wave being the us a line around. that is a danger. gerri: it says that there is a speed trap. >> that is not why they ever arrested him that he was advertisg on private property.

there is no statute that says you couldn't. >> it was the fact he was on public property. >> but it's is it is the crux of the issue they cannot get him for what they wanted. it'd is illegal. >> but it is illegal in some states because it is prohibiting you from using your headlights is intended jake on free speech but if the state is interested in safety why do they care that he tells people to slow down? is. >> because other people looked at him. what is he doing in the middle of the road?

>> the real reason is they cannot give tickets because they all want to say you cannot do that. he wants people to go slower. why do they have to pay a ticket? >> he does this all the time. also there is a state of texas they got her on another church -- a charge. they have to get them on another charge. but look at the issue in the greater sense. is this a violation or freedom of expression that has a public purpose? >> it is the public endangerment issue. >> he was on public property >> what is the problem?

>> is dangerous and reckless >> the key is really endangering. >> also himself. you are in the middle of six lanes. veddas the endangerment. >> my last point is it costs them money. gerri: date you for coming on. it is a great segment. we will be right back. the answer to our questi of the day. to retailers pay lip service to privacy? welcome back. how is everything? there's nothing like being your own boss! and my customers are really liking your flat rate shipping. fedex one rate. really makes my life easier. maybe a promotion is in order. good news. i got a new title. and a raise?

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(sndfx;heavy breaths and fosteps) ♪keep holding on gerri: earlier this hour we delve deeper into the massive security breach a target over the holidays, looking at having happened, where we go from here, and, of course, is to blame. leading retailers just pay lip service to privacy? we ask the question on gerriwillis.com. 88 percent said yes, to a

percent said no. here are some of your e-mails. bill from the hampshire rights, don't forget that hackers break into the most secure sites in the world. when the hacker, not target, the victim. and ie from new jersey says credit card companies in my opinion did not provide enough security for consumers. the security prevention's can be accomplished by selling of the consumer chosen panda and th consumer should be required to change its quarterly. more security. final rehab. it seems everybody is struggling -- shrugging their shoulders as if the problem won't go away. it won't unless we take steps now to protect american wallets. the step above the technology we use now routine in europe and even north korea. we're beyond -- behind p'yongyang and technology. not acceptable. banks say is the retailer's

fault. i say fix it. that's my "2 cents more." that's it for tonight and "the willis report." thank you for joining us. have a great night and a great weekend. ♪ declassified report on b benghazi and it shows that obama was aware of it and it concludes that at least foural cade affiliated groups carried out the deadly september 11 the assault. parenthetically and most emphatically, the report also shows "the new york times" was