the expectations games. they used to really low ball the expectations. they have been bringing them up. maybe a lot of traders were used to the old style. they have a new style. >> "money" with melissa francis starts right now. melissa: the haves and have-nots. we've been talking about a lot here on "money." now just in time for the president's state of the union, a new report lays out how his health care law redistributes income. surprised? hear from the author hyped it and then business titan, mort zuckerman. even when they say it's not, it is always about money. is melissa: if you're among the top 80% of earners in the country this hits you scarily in the wallet. a new study on obamacare by the brookings institution, all but the 20% poorest will see annual incomes go down because of

obamacare. that is not all. the report also predicts that the health care law will do more to redistribute wealth than any other legislation in recent history. here now is the coauthor of that study is a senior fellow at the brookings institute. we have monica crowley, of course a fox news contributor. gary, i want to start with you to break down this study. tell me basically what you found. how do you see the income moving from one side to the other? >> well, there are certain number of items that increase the health insurance coverage of people, mostly at the bottom but also in the middle of the income distribution. and steps that we're taking to make care more affordable to people in the middle and even at the top if they don't have access to a good employer plan but those things were paid for, the congress insured that they raised enough money or lowered enough costs elsewhere so that the costs of the affordable care act was paid for and people at

the top of the distribution paid higher taxes. some people who are getting medicare insurance through the medicare advantage plans will get a smaller subsidies for those plans. and, people at the bottom of the distribution will get medicaid coverage or will get federal tax credits to help them pay for insurance. melissa: you counted health care coverage as an income? basically, right? >> that's right. melissa: you looked at a whole basket of goods. you found, if you manage that, and looked at health care coverage and balanced it against the higher tax bill and higher premiums that you might be paying, 80% of the country is worse off? >> no. be more accurate to say that 75% of the income distribution contains people who on balance are more likely to lose than to gain. but really there are gainers and there are losers everywhere in the distribution. number one.

and number, two, most people won't see any change. their health arrangements won't be affected. subsidy the employer provides them for health care will be the same. subsidy for most people enrolled in medicare will be the same. premiums people pay will be the same. most people are not affected. just where on balance in the income distribution are the gains, where are they, where are the losses. that is the analysis. melissa: one of the biggest losers in the group people on medicare advantage. >> that's right. because the feeling of congress was that people enrolled in those plans get bigger subsidies under medicare than people enrolled in standard medicare plans. and so they thought a cost saving measure would be to reduce the subsidies of people who get advantage and bring them down to the same subsidy level with people who get standard medicare receipts. melissa: gary, great work. thanks for coming on. we appreciate your too many.

>> thank you. melissa: i want to bring in monica crowley now to react to that i don't know. i'm still stuck on the idea that for the top 80% this, is right from the study, your incomes decline if you count your health care coverage and your tax bill and everything else. i don't know, he said in the end then the vast majority aren't impacted but i don't know how that works when 80% are seeing decline in overall income. >> i'm not sure what he meant by that because you're seeing, first of all six million people had their insurance policies canceled outright. the next wave is tens of millions of people with employer-based coverage will have policies canceled. only to buy similar prices at higher price, higher premiums. higher deductibles. let's take a step back, melissa. remember in 2008 when barack obama was campaigning as president. he talked about the fundamental transformation of nation. what he meant by that moving country from based on liberty

and economic freedom to european style state. what he did after being elected is health care. that is the biggest lever they could use to try to remake the economy. when he talked about that, he meant radical wealth redistribution. fascinating to look at the brookings study, they're putnam members, whether or not they're accurate, they're pointing trend of radical wealth redistribution. not from the koch brothers or bill gates. we're talking about redistribution within the middle class, taking from the middle class and giving to the bottom fifth. melissa: it is interesting the way they looked at it, to look on balance of your whole basket of goods, if you look at health care as income, and it is. you're getting paying for or getting through a subsidy, better off than higher taxes that you're paying. overall we're surprised we're seeing redistribution through health care? do you think that most of america gets that? >> it is not a surprise because that's what this was meant to do. i have often said for team obama health care reform was never about health care or health

insurance. it was about this fundamental transformation of the u.s. economy trying to remake it. it was always about class warfare and radical wealth redistribution. that is why you don't really see the white house breaking a sweat over the collapsing website and everything because they don't really care about how it works. they just care they were able to slam it into place. the average american compares about their premium, cares about deductibles, lack of reduced access to doctors and lack of access to care. those are things affecting them directly. when they see the premiums go up, all of sudden they're saying wait a minute, what am i paying more for? they might not understand the broader scale of radical wealth redirection going on here. they will see higher bills and higher taxes coming down the pike. they will say wait a minute, what am i paying for? melissa: yeah. >> the same insurance policy or even less, or worse, for what? and at that point that is when they get what is really going on. melissa: how dong do you think that takes to sink in? six months or full year in the

insurance cycle. >> hard to tell. melissa: have you talked to individual people out there? i have people come to me all the time. mine was canceled, do we have to go to the obamacare website? we talk about that on the show a lot. what is your best option? how does that sink in for people? >> now affecting people. not a theoretical opposition but affecting their lives. melissa: no one thinks about the wallet when affects their lives. my wallet is lighter. >> out of davos the head of aetna said we might have to pull out of the obamacare totally. the numbers are not there, not working for us. assuming they don't get a bailout, which is a big assumption, insurance companies will pull out of the website and pulling out of obamacare to the point where it will ultimately single-payer anyway which is the ultimate objective. melissa: they were saying they're not getting membership they're looking for. thank you very much, monica. appreciate your time. super bowl is days away. forget the field. the battle is on the tarmac.

hundreds of private jets are set to descend into teterboro airport this weekend, near the stadium, two miles away. who gets the first ticket out after the game when it is over and freezing and all the fat cats get to hit the road? who gets to take off first? you can't imagine the high-flying jet-setters will pay. stick around for that one and how it plays out. mort zuckerman weighs in on the wealth divide debate. how he thinks the president plans to change it. >> what to do with a billion bucks? that is high-class problem with wisconsin averaging up a budget surplus. who will get it first, the taxpayer or those on capitol hill? more "money" coming right up. (vo) you are a business pro.

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and pay no taxes for ten years... we'reew york. if there's something that creates more js, and ows more businesses... we're open to it. start a tax-free business at startup-ny.com. melissa: can the wealth gap in the u.s. be solved? and more importantly, does it need to be? real estate mogul mort zuckerman, chairman and ceo of boston properties. he knows a thing or two about running successful businesses. he is here in a fox business exclusive. what do you think about all the talk about income inequality? >> i think it's a reality. the real thing that distresses

me, the real concern is not quote, unquote, income inequality. the real concern is quality of jobs. we have had over the last few years under and administration which i don't think has the real sense of how to work the economy. according to the bureau of labor statistics, we have 27 million, 27 1/2 million part-time jobs. on top of which we have roughly 13 million people who are either out of work or given up looking for work. so you have 40 million people who are in very weak economic conditions. the part-time jobs are counted as part of our full-time jobs. melissa: right. >> we never had that kind of period of part-time jobs. those are very low-paying jobs. people can not have an acceptable life on that kind of an income. so it's a real issue. the jobs are issue, rather than the income that goes with those jobs. melissa: sounds like you're saying rather than focusing on an idea of raising the minimum wage to $15 an hour, we have to focus creating full-time jobs and getting salary and earning

more money? how do you do that? you created so many jobs in your lifetime. why are they being created right now? >> you have to understand, this is an economy that is very weak. that has been weak for the last four or five years. that is in fact the weakest economy, four years coming out of recession that we've had since the end of world war ii. that is average of four years. if you saw the statements by american business, when they were just recently pulled, the estimated investment in the coming year in terms of the capital plant and equipment is 1.2%. that is the lowest it's been since probably end of world war ii. tells you how the business community are looking at future and coming up with a very fairly pessimistic outcome. so i think what we have to do, if we're going to spend a lot of money, spend it on something that stays with us. so i would argue the following. spend it on infrastructure, particularly to redo the airports and bring in all new technologies that help planes land much more quickly. we did it with railroad in thefy

and did it with automobiles and interstate highway system in second half. we have to focus on airport which is biggest transporter of goods and people. that is one thing. most important thing we have to do is dramatically improve the number of startups in the country. if you look at the record, this is justified by exhaustive survey, all the net job creation over next five years comes from startups. let's find a way to do it. what their major problem? the major problem we don't have enough qualified people for startups. we have to put money in stem education, science, technology, engineering and mathematics. we're not producing enough of these people. these people stimulate companies and startup that is create new jobs. that to me is -- once more these are very good jobs. melissa: so along those lines if you look at city of detroit they're talking about trying to create a program where they will extend 50,000 visas to people who have those skills. >> right. melissa: there are so many complaints about folks coming in the country and stanford and mit

and getting degrees and leaving country. would you be for something like that. or is it more important to train can you do both? in school? >> you have to do both. we used to have 195,000 h1b visas. these are primarily given to people who are graduate students in other countries, the large portion of whom are in engineering science field. melissa: yeah. >> it is down to 65,000, which is crazy. these are resource no other country would give up. only the united states would do it over petty political concern. i think this is absolute rye source that we have to bring into the country. melissa: let me ask you a really scary question. what do you about about all the people older and otherwise and it is too late to retrain them for those jobs? people who they would say structurally unemployed, who were in manufacturing? who are at home and unemployed and not realistic to think you will put them in the jobs? >> i don't have the answer to everything. melissa: come on! you have all the answers. >> this is very serious issue. i don't have the answer to that

one. i have an answer in this sense. we don't want to create anymore people unemployed at that level of their life. we have to make sure there are good jobs available to people until their retirement age. we have not had that in the last couple years. maybe in the last decade. that is a real tragedy for this country which defines people according to their work and to their jobs. and people's self-define themselves that way. it is very demoralizing in a country where work is the major ethic of this country. melissa: maybe the government can not solve that problem. they're not smart enough to do it. they're not organized. they don't do anything well anyway. maybe businesses partner with colleges to create these programs and retrain. i think is there a way for business to get ahead of what you're saying needs to be done to grow this economy. >> business could certainly support stem education to a greater degree but frankly the problem with this, if you support it, okay, what, how do you correlate what you're spending to what you're receiving? you know i think it is better way to do it is put a tax, if

necessary. melissa: oh, no. not a tax! >> we have got to support, as i say, much higher degree of education and in the stem fields and to bring in people who want to work in this country. we have a shortage of these people. we have got to stimulate. melissa: at least the economy would grow with more jobs of all kinds. mort zuckerman, always wonderful to have you. come back soon. >> thank you very much. melissa: something must be going right in wisconsin. the state is sitting on a billion dollar surplus. the governor wants to give it back to the good people that earned it. not something you hear every day. too good to be true? stick around and find out. forget the nsa. is google a the real threat to private system they're watching from above and monitoring us from at home. find out how the newest acquisition could be scariest yet. do you ever have too much money? those litt things still get you.

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melissa: they must be doing something right up in wisconsin because budget projections show that the state, famous for its cheese by the way, is suddenly rolling in cheddar. $912 million budget surplus to be exact. governor scott walker propose ad package that would give most of those fund back to the taxpayer! can you believe it? some people in the badger statee state's structural deficit. here is a wisconsin state representative. he is republican and member of joint finance committee. thank you so much for joining us. what do you think of the surplus? is it like manna from heaven? >> well, the manna from heaven keeps coming back. three years ago with governor walker the republican also took over the state assembly and state senate. we did really hard reforms that got national wide news and led

to solvency. solvency led to additional revenue in wisconsin. because of pro-business tax reforms and pro-family reforms, this is the fourth time, depending how you count, third or fourth time talking about tax cuts. melissa: let me stop you for a minute there. the director of the state's budget office, a lot is as a result of the stock market run up. there is lot of extra income revenue because the stock market had a great run. obviously last year was a banner year. that is where much of this revenue is coming through. what was behind this decision to give it back to people who earned it? >> yeah. i don't know what he is reading but if you look at our cbo in wisconsin is legislative fiscal bureau, if you look at details comes from two years. melissa: okay. >> one comes from additional sales taxes. that is due to higher consumer confidence here in wisconsin which is also nationwide. melissa: being o okay. >> also because of higher incomes. incomes are up in wisconsin because of our reforms. people are getting back to work. i think in large part you can point to reforms we've done here

in wisconsin and it is paying dividends. melissa: what made you decide to give it back to the taxpayers, i don't know, some critics say pay down the debt. >> you know what? if you look george mason did a study and wisconsin was ranked one of the most solvent states for budget solvency and overall solvency 17. we made the state so ven. what is important we make businesses and families people starting off their careers solvent. melissa: don't get me wrong. i love idea of giving money back to taxpayers and people that earned it but you have a $1.7 billion structural deficit. you can blown out more than half of it. not worth it? >> you know, i think structural deficit can be a little confusing. for example, if you put money into the rainy day fund that increases structural deficit. structural deficit we don't talk about in private sector. talk about the structural deficit, two year budget in wisconsin, we have balanced budget. we'll have a surplus at this budget. we're looking into the 2015 into

2017. if we have 1% growth a year, typically just inflation if we have 1% inflation we'll grow our way out of the structural deficit. same chorus, this is the fourth time, depending how you count, third or fourth time we've cut taxes in wisconsin and every single time we propose this idea there is this chorus that rises up saying structural deficit, structural deficit. melissa: okay. >> don't worry about it, it will go away. once again for the fourth time the structural deficit will not be here a year from now. i'm pretty confident we'll talk about another structural surplus. melissa: don't move. i want to bring in somebody pretty happy about the decision. jeff heal, owner of home lumber company in whitewater, wisconsin. are you with us? there you are. >> here i am. melissa: are you excited you're getting money back from the government? what will you do with it? >> we're very excited to be blessed with pro-business leadership of governor walker as well as his support of a pro-business legislature. and we're going to give it back

to our people in some form. we offer profit-sharing through all of our businesses. and it is proven that when those dollars get recycled back into the economy, they get turned seven to 10 times. so you take that money that is getting forced back and multiply that by seven to 10 times that is huge bump to the wisconsin economy. melissa: senate minority leader chris larson said equivalent of parents throwing a lavish party and paying for it with their children's college funds. is that how it feels to you when you get the rebate? >> i would differ with that. i would say that it's a pro-business environment that has been created by the governor, okay? and when when you sendddollars back to the local and state people there is only positive things that can come from it by recycling it back into the economy. it would be nice if at a federal level we could do that. when is last time you got a kick back from the federal? melissa: don't get me started.

>> yeah, right. >> what might you do with this money? might you, you said you had profit sharing. might you hire extra people? >> we're constantly looking for new help. we have six other ancillary businesses we operate out of whitewater, wisconsin. we're constantly looking at new businesses all the time. this will give us more affordability into looking that. researching into that opportunity. we opened up a new business in the last year. and we're always on the look for another opportunity. and this pro-business government that we've got in wisconsin, it can't help but help us move forward in all those directions. melissa: we love hearing from real people and how they actually react to money issues instead of, instead of just theory. thanks to both of you for coming on. appreciate it. go, wisconsin. >> thank you. >> go wisconsin, you bet. melissa: up next, when you thought google could not get any creepier its latest acquisition sound like it is fresh out of the sci-fi movie and critics

worry all the information that it is collecting from us could end up in the wrong hands. tweet me and tell me what you think. is google starting to worry you a little bit? "who made money today." this company is sailing into the sunset this evening despite making a whole lot of people sick to its stomach. hmmm, i wonder who it is. keep watching to find out. "piles of money" coming right up. how much money do you think you'll need when you retire? then we gave each person a ribbon to show how many years that amount might last. i was trying to, like, pull it a little further. [ woman ] got me to 70 years old. i'm going have to rethink thishing. it's hard to imagin how much we'll need for a retirement that could last 3years or mor so maybe we need to approach things dferently, if we want to be ready for a longer retirement. ♪ [ car alarm chirps ] ♪

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it can track you did your homework in your car from satellites is google big brother? now with just acquired artificial intelligence company had you even thought how it could combine all of the acquisitions and what the impact of that is? here to walk us through it is our tech analyst. do you think this is what they needed to put together that regulates the temperature the satellites and robots, this is it? >> exactly. that is what this is designed to do it? a separate pieces of information and to build the bid to of model either group or individual they will double or about you and you

will and it is scary. melissa: that is terrifying. >> just the pure@ centralization of all the data they looked into our gbl they go into our google's box or android from its they have in the region now, we in side of the home and he is right. this is the technology that brings an altogether too bad the brave and to what was the raw data and it is a scary prospect. melissa: everybody talks about nsa but it seems google is more dangerous probably more in freelance does anyone regulating this? we back for the most part go. the government is doing this it is hard to say you were to read something bad and what they are to reduce far more advanced than what we

know the nsa is doing their working and artificial intelligence as well but just using this technology but the scary part is you can bridge the things that google's does not know about the so when i say they know more about you that is exactly what is happening. melissa: rather them that govern regulating but to realize that they beat them to spy on the people that they want and to leave on the google to force headed for a patient out? we back we have seen that over and overñ yvette facebook and verizon have to give a bid for bashan. generally that collectors are not bad. intentions are for the good reason but it is the hacking or the of this use when the government wants to figure out more and as of now they have free trade with that data there has said no oversight to stop that

whatsoever. melissa: is that the biggest danger the doom of international terror we want this to spite of this person or is there something more nefarious? are there hackers? what is the biggest threat. >> once the engine is developed to go through that of structured data you haven't mentioned that could be used by our own states against us it is a powerful tool but we have no regulation to talk about how that should be used to back creates a fairly significant danger because you create the intelligent thing without in the structure for how you should or coulda/a use it like building the atomic bomb but having an idea what it would do having somebody to push the button. melissa: that we invent the said eventually get out of

our control there is no way to bring back. >> we do it will be a problem reduce the atomic bomb would be we thought about it so why don't we have oversight to think not only are they a monopoly but is it a monopoly of our private informational a problem? could leave regulate that with a smart and friendly way? melissa: i am terrified. thank you. we may start to fear google but when it will fisker the street will be already sees signs of a sell-off? scott martin is chief market strategist are you scared? will you close your computer or watch out your window for robots or satellites? >> it is all the stuff you wanted to know about

yourself you were afraid to ask. melissa: now no. what are you talking about? what do want to know? >> by thepgl way do gold peaked companies like facebook to get this. what if they said you are out of hand lotion because of your patterns would you like our robot to deliver some tomorrow? melissa: that means that they are in my bathroom and i do not want them to use by a in my bathroom thank you very much so one place i can lock the door. >> i think we're both busy and we have a hectic schedule i think the efficiency is huge yes it could tweet dow had punched me in the face it is worth it given the creativity they give it bring to the table.

melissa: it is a little disturbing i will not let that in an. lead you think about the market? >> it is a little scary but everybody says it is not unlike other periods even with the euro debt crisis the government slow down the taper talk these are all normal market occurrences. even though a touch does not feel good sentiment is turning up the markets are behaving decently and bonds are going up while stocks go down that is the inverse correlation currency is moving around and gold is a safe haven these are good things once stuff starts acting like it should then you should be worried. melissa: net was the big run-up now we think they're going away now companies are

warding about profits we're forced to look at the fact sayings are out there and the market is overbought and >> but something has been going on for the last several quarters. melissa: catching up to wes? >> maybe but it is a function and of optimistic people if you get these doubters like this sell-off i think that is a buying opportunity everybody is euphoric that is my duty to salad we have not been there for years. melissa: don't send me any lotion and. >> enjoyed a lotion that is coming to you. [laughter] melissa: the traffic kiam thousands of private jets will be flying again for the super bowl you will not believe the cash changing hands just to be the first

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melissa: from the u.s. money has ben flying around the world today where 6 million packages of frozen food has been recalled after hundreds of people were poisoned. a factory worker was allegedly using a farming pesticide. nearly 3,000 consumers have complained after eating the product including frozen chicken nuggets the company behind the recall is issuing apologies but the down the country. now over to france around 250 of those protesters were arrested after a peaceful demonstration turned violent

strolling bottles at police causing yeager a moment the french calling him the most unpopular french president of modern times. in india and send a ton of cash to shore up its military the country celebrated its republic day as thousands of police officers and military march to the streets behind them were colorful floats tuned takes even camels for all of that as fighter jets flew up the above. that caught my attention. thinks the big game is on the scrimmage line? think again. the real battle is just 2 miles from metlife stadium. the influx of corporate jets flying in with the billionaire brawl about to break out who can fly out first with the game was

over. looking at the economy of private jets, i have to think, there are all these people flying in. they have their private jet, you only have 600 parking spots. and others have too few will be used to go. how you decide which of these people get out first? vitter all very important. melissa: that is a very good start. >> they pay a lot of money it is the premium service, began from all over the country so keep it mind there are 600 slots at teeter borrow for the jets also the allied air pours we are expecting 1200 planes to be id for the super bowl that is the largest gathering of private jets ever in north america. [laughter] mysterious -- it is serious.

melissa: said they have their own jet, they're tired , they are not used to weighty in mind. melissa: how you go through 1200? >> it is of a complex air space they have overlapping aerospace also teeter perot has said no-fly zone until about midnight on the day of gave it could be severe weather will to believe that will determine how quickly they get out. melissa: debts starts with the guys on the ground that fuel up the plane to get you in mind that say you are ready to go. i think they will be taking bribes. that cost between ted and $50,000 to fuel you up? will say pay if they say

still be up the first to put be at the front of the allied? to begin will pay a lot of money to cubbage and teeter borrow there is the recent free also all different sized aircraft thousands of dollars it depends on how big your airplane as they control the group's base so the more you pay these guys whether it is a nice tip to their grain import drop the celebrity game or dropping below the more they will pay attention. melissa: a kid you give somebody might be ahead of time? they would do it. >> you can drive. i don't think that would hurt. melissa: do you recommend that? we will not tell anybody but if somebody called you say they are a nightmare i have to get them no to first what

would you say? how much will it cost? >> absolutely of the best possible place in to talk to those people on the ground to say what does it look like? cube we pay for the premium service. candid be fuelled the a ready to go away before the game even starts. macy people drop names names, celebrities, don't you like to tell first? people may or may not listen. private businesses are of the ground. but the talks the more they pay probably the quicker you will get out. melissa: the name of the show. thank you so much as something ugly happens will you tell us? good luck. as if the arctic weather was not bad enough now april paid shortage hitting the

midwest when they need it the most. going live to see how people are coping. don't move. war becoming a. dentures are very different to real teeth. they're about 10 times softer and may have surface pores where bacteria can multiply. polident kills 99.99% of odor causing bacteria and helps dissolve stains. that's why i recommend polident.

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melissa: if it is time for the acute clip of the day we had to show where it to you. we showed you the crazy cat last week now he has competition. this baby shows off his trek that israel. he comes from a family of a skateboard enthusiasts he has been working on skills since he was six months. , a year ago he is money. look back.

time for "spare change" a few are in the midwest you babied some extra according to officials of 31 states there is the emergency propane gas shortage that could last through the spring. now freezing not out in illinois what is going on and? >> the propane shortage affects 40 million households that still keeps their home with propane. the shortage has been coming over the last few months but this month especially as temperatures have dropped and continue dropping it has stayed is so cold all throughout the month people are heeding their homes more and more in the shortage has got worse. as to be a has gone up that had shot up the price the highest they have sped

important 20 years what voters said his heating bill this last month was more than three times what he was paying a few months ago. >> it is outrageous to have the tape phil this tremendously more expensive it is hard to come up with the extra body in one lump sum compared to pay monthly six so consumers feel the pinch but it is also the suppliers. we spoke to suppliers throughout the day they said they had to go 20 but it's a way to fill up the truck but now they have to go where they and 600 miles just to fill up. this debate you got three or four loads per day now it is only one every couple days that is a big story especially when it is subzero temperatures a huge

you need is a propane desperately. >> you were loads, big so people tell them try to make do but what it is dash 26 it is easier said than done. melissa: id or freezing but is the corn crop to blame8ñ? >> it is hard to played just on any one thing but it is a large part of the. , of the things that perot paid is used for is to drive up the corn crop is one of the largest red as we go to harvest all the raid came across the country so huge joke was used you try that out. just last year much of the major pipelines was shut down for construction and so that played a big role then all of the temperatures together made it worse.

melissa: and go back inside. figure. estate deal. food made monday today? despite reports of a serious illness of one passenger received crew. stick around to find out. you can never have too much money. and family.

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weather wall street or main street. who is anyone who made money. anyone who owns royal caribbean. despite 600 passengers came ill during a recent trip. they posted a profit. investors on the cruise industry it's starting to improve. and the stock jumped nearly 2% inspite of the vomiting passengers. no wonder richard is in a good mood. he owns more than 1 million

shares. he made an extra monthly $23 00 million. also making money the company cable company. john ma loan celebrity global is buy it for over $9 million. it's the latest on the european tell come having -- last year. seems like. ma loan empire is growing fast. and losing money the bank. state-controlled lender is taking 5-billion in extra charges to cover legal and compensation claims. stemming from the phenomena crisis. it set the bank in the red. it's on track the largest loss in nearly six years. the executive said the scale of the bank's bad decision prior to the crisis is starting to emerge. it needs cash to make up for the prior miscodes. that's all we've got. i hope you made money today. be sure to tune in tomorrow. phenomenon congressman will be here with the take on health care and the budget.

black is registered nurse and on the congressional budget committee. we're going to dig deep before the state of the union tomorrow at 5:00 p.m. have a great night. willis report is coming up next. tonight. another side to obamacare they don't want you to know. kicked off medicare advantage with patients left in the lurch. nightmare at sea. hundreds sick on another popular cruise ship. how do you do that. making sure linked in doesn't hurt your career. we're watching out for you tonight on the wiltless report. "the willis report." ♪ welcome to the willis report. your show, your m