ceo who watched his client win two grammys on sunday. have a great night. the willis report is coming up next. ♪ gerri: hello everybody, i'm gerri willis. tonight on "the willis report." the consumer theft scandal hitting retailers widens. do we feel secure shopping again? also as one nightmare at sea ends. how clean are cruiseships in do you know most fail basic sanitation tests. >> wash your hands. new scam target anybody with a telephone. consumers ripped off $1 at the time. we're watching out for you tonight on "the willis report." ♪

welcome to the willis report. your show, your money, your voice. and tonight your calls to the irs, well, they're going unanswered. over 61% of the people trying to talk to a customer service representative at the irs actually got through to somebody last year. that's according to a watchdog report. that left millions of us to figure out how to comply with our complex tax code ourselves. with more on this, scott hodge president of the tax foundation. welcome back to the show, scott. i went on the website; right. here is what they say. they say call us with your questions. >> right. gerri: available monday through friday. not so true; right? >> not so true, gerri. as the -- [laughter] as the taxpayer advocate found when you call the irs, you're not only not likely to get through and get a real person on the phone, but you're probably going get a wrong answer. that's part of the problem. the real root cause of this, -erri, is the come --

complexity of the tax system. we handed the irs an impossible task of trying implement the complicated -- gerri: all right. get to obamacare in a second. i want to go through the numbers. they are pretty shocking; right? 4 million words in the tax code. that's more than shakespeare ever wrote. they're a lotless understandable. 20 million calls unanswered out 1600 million calls to the irs. people are really calling in looking for help, looking for assistance. why is it so hard to understand the tax code? >> well, congress made it too complicated. we have dozen of tax credits, and loopholes. it's too complicated. it's why it's costing us about 6 billion hours every year to comply with the tax code and a cost of $16 0 billion a year. and that's why, i think, 80% of all americans pay someone else to do their tax return or use software to dot tax return.

they simply don't trust themselves to try to do it on their own. and when they call the irs, they're likely to get the wrong answer. gerri: well, that's unbelievable. you call the irs and they can't tell you what their own code means. it's crazy. here's what they say. they say you're wrong, it's because we had to get rid of the people. we had a smaller budget. people are fighting cyber crime. we had to san diego bunch of teem -- people to the division. if you want your questions answered. sorry you're out of luck. >> a lot of downsizing happened because they had so much electronic filing they didn't need all the people to do data entry. they could have put some of the people on the phone. again, part of the problem is the people aren't trained well enough. the tax code is too complicated and you're likely to get a wrong answer. they could have taken people hounding tea party groups and put them on the phone. even that wouldn't have helped a the the end of the day. [laughter] gerri: right. there's a lot of people doing that apparently.

in 2004, the whole time 2.6 millions. this year it's up to 18 minutes for the hold time. you're waiting twenty minutes, half hour for somebody to come on the line and maybe tell you the wrong thing. where should people go if they have questions. is the irs the right place to go? >> no. i think sadly your best solution is to pay someone else to do your tax returns or use professional software. they've probably got it right, and you're less likely to get an audit when you do that rather than doing it on your own. gerri: okay. scott, thank you for that. i appreciate your time. >> you bet, gerri. we want to know what you think. are the problems at the irs the fault of cut back or incompetence. log on to gerriwillis.com. vote on the right-handdside of the screen. i'll share the result at the end of the show. customer service, which we were just talking about with the irs, it's not the only part of the irs not passing muster. take a look at what happens to

your tax return once you file it. makes a big difference if you file by mail. hard paper; right? or if you file electronically. if you file by mail, paper, once the irs gets it, it goes in to what the agency calls the pipeline. it has to be routed to the right department, that can take a day, after that the returns are opened and separated in to two sections. one with payments and one without. if it has a check attached, the irs likes to deposit it right away. get their money, usually within 24-hours. after that returns sorted by irs employees. now, if you file electronically your return skips the whole process. i'm about to describe. next, tax examers check for errors in assign code to help with data entry. the irs has a quarter of all returns have some sort of mistake. and about 1 in 100 require more info from the taxpayer. they're not complete. your paper return now joins the e file return for the next set of examers look out for fraud and random sample, my friends,

is taken for audit. it could be you. if the computer can't read a paper return, and irs employee enters it manually. you can imagine how long that takes. four or five days. once all the returns are computerized. the irs can process your return, check exemptions, credit, deductions all of that stuff. if everything is good, it takes about 21 days after that to get your refund. in f you file by mail. one or two days if you file electronically. all in all, it takes at least six to eight weeks from the time the irs gets that paper return to the time you get your refund. if you e file and have district depositive it. you get the refund in as little as 10 days. moral of the story, e file, my friends. much faster. on to a different story. you saw the pictures; right? royal caribbean now saying they're offering 50% refunds to passengers aboard the cruise ship nearly 700 passengers and crew fell ill. ship arrived in new jersey yet where it's getting a cleaning before heading out to sea with

new passengers. but just how clean are the cruise ships? joining me now katie hill. welcome to the show. >> funk for having me. >> here is what i'm wondering. do you think they have done a good job of handling the people at the company, and the complaints as well? >> a decent job. they sanitized the ship now three times. they've ddne a decent job. if you're on the ship, you're one of the 700 people that are sick. you are not pleased. they're give people a future credit. beware you have to use it within a year. gerri: wow. >> and talking about complaints. apparently one person said it was their best cruise ever because they lost five pounds. [laughter] >> that's amazing. gerri: right? i know the people are very upset about this. now they are getting back in to new york right in time for the super bowl. it's a totally a big mess. passengers are going to be compensated, as you said 50% refund, 50% future credit. is it enough? >> i don't think so. if you have been that sick

literally trapped on a ship can you imagine? i can't deal. but, i mean, it is something and they did try to do their best with sanitizing the ship. they did it three times. >> cbc is on board. for goodnesses sake. they have to get on there. if it's the narrow virus. it's the big. it's worth repeating. the biggest outbreak in 20 years. we want to talk about how clean are the ships. people are wondering if it's a petri dish. we're not talking about getting the flu. we're talled about clog drains and the bugs. the discrepancies i -- description are horrifying. >> how are clean? >> some are cleaners are others. i looked through ten years of cbc data. they dot inspection and i looked through ten years. there are certain ships have never failed an inspection. most major cruiselines have failed the cbc sanitation inspection. gerri: let's go there first. let's talk about the ones that failed. holland america, silver sea,

roadway gent, carnival, royal caribbean, princess, it seems to me that just everybody has been on the list. >> yeah. they usually only failed one ship one time. they're not major fails only 27 ships in the past three years failed it's out of 900 inspections. gerri: what is the typically thing failing on? >> food left out. the the pool -- >> and reservice? >> that's for you to eat. and they leave it out. not chilled enough. the pool and the spa is a big thing. sometime it's not quite clean enough. you name it. they have failed it. you can still have a lot of the violations and still pass it. let's -- gerri: let's talk about most cruise lines. these are the guys doing. nor wee again, disney is on in. talk about it. >> costa at 37% of the time they got a perfect score. that's the best one. it's the cleanest in term of, you know, getting perfect

score. nor wee began was great. they were inspected a lot. 28% of the time they got a perfect score. these are clean. disney parents will be happy about that. and the two luxury lines crystal and sea born too. >> those are luxury rains. you see the big red boat. if you fail what happens? >> you have remedy what happened. so you cannot get -- your passengers can't go on if you fail and you have to clean it up. if you left the food out. they make you clean it up. >> i heard the royal caribbean ship is turning around and going out. >> on friday. it's supposed to -- >> it is going back out. 24 hours no one could enter the ship. allegedly it's going back on friday. we'll fee it happens. it leaves from new jersey right, you know. disbeliever that's frightening. what is your rights to people who are concerned. is it something you should be checking before you sail? >> the viruses are impossible check. they break out and usually come -- someone brought it on the ship. but you're on the ship all together. and you're sort of like uh-oh.

and the virus spread quickly. there's nothing you can do. the they are general clean you can feel pretty good. you still terrific. gerri: we're hearing princess cruise has a ship with viruses ton. the story breaking i believe now. >> i haven't heard. it's not surprising. the viruses break out decently frequently. i think there was maybe 150 outbreaks last year. they're usually smaller. the royal caribbean the biggest one in 20 years. gerri: you said that before. you were saying you can't predict where the viruses will be. i hear the industry blame the passengers. beyond that. there's viruses that is one thing. but cleanly conditions on the ship as it is maintained. what should people do to make sure that is in order? >> you can go on the cbc website and look at what ships have passed and read the sanitation report. that's what i recommend doing. go on there the vessel sanitation. go on there and see if they

passed in the past. some fail, some have violations that even though they passed are like, nope. [laughter] no thanks. gerri: we are on the same page. cbc.gov? >> yep. thank you, katie. we have more to come this hour including a warning about a new cell phone scam. you won't believe this. nobody's sake. not even me, months after the hack retailers remember i'm now getting word some of my information may have been comprised at neiman-marcus. we'll have the latest.

gerri: here we go again! yahoo! tonight said it detected mass hack attempts on the e-mail accounts using malicious computer software. this as knew details emerge from the data breaches impacting retail giants target and neiman-marcus. here with more the ceo and cofounder of crowd strike. welcome back to the show. it's great to have you with us. what do you make about the news about yahoo!? >> well, it happens all the time. of course, we have seen the

retailers get hacked. remember back in 2010 we had google getting hacked as well. the internet service providers, e-mail providers are constant attack by nation states and criminal groups attempting to penetrate the system and get valuable information. gerri: i heard last night that these retail stores that the bad guys go online to buy some of the software on are so sophisticated really so main stream that they have customer service departments. what is it like? >> absolutely they do. they are providing a service just like anyone else. they provide a service to criminals. they have to provide a service level agreement on response times. they have to make sure that the information they're selling, in this case phone and credit card information is going to be valuable to the ultimate purchaser. so you're not going have the credit cards being shut down too frequently. and they get reputation ratings. the more receipt put a you are

the higher prices you charge. gerri: wow. are nay on the old fashioned internet or somewhere else? >> they have their own website and forrum they set up. obviously they are closed. you have to get an invitation to be allowed to the community. you can't just go on any website and look it up. but once you're in, you have access to tremendous amount of information stolen credit cards, stolen identity. you can buy a passport on some of those forrums. gerri: unbelievable. okay. so as you know, target, i believe, yesterday said we think we were the victim. somebody hacking in to a venders' password and profile to get on to our website. it sounds to me a little bit like they're kind of trying to toss the blame on to somebody else. what do you make of their explanation of what happened. it's not our fault, they said, it's the fault of a vendor. >> it's pretty common snare row these days. at network of a lot of these

companies are interrelated. you rely on the hr processing to dot sales, accounting information. so you often have these situations where third party venn -- vendor can get comprised. we have seen it happen before, and it's not surprising this may have happened at target. >> neiman-marcus is out. i opened my mailbox, found a letter from neiman-marcus. they told me i might be one of these people. i shopped there exactly one time last year. that's to buy a present for my husband and guess what? i can be in trouble a hacker could have my personal information. let me show you what the letter said. we have copied it here so you can see it. social security numbers and birth dates were not comprised. customers that shopped online don't appear to be impacted. we have taken and continue to take number of steps to contain the situation. they then go on to promise you a year's worth of identity theft protection. all kinds of efforts to try to keep you safe.

that's, of course, after the fact. after you've been broke anyone to. what do you make of their effort to control those problem? because let me tell you, the thieves were on -- in neiman-marcus long before they were on target. >> well, i can tell you gere i are, it's the tip of the iceberg. we have target and neiman-marcus. we have michael's announce they've been hit. at this point every american with a credit card or debit card should be vigilant looking through the account and statement to make sure there are no fraudulent charges on it. unfortunately you're not alone. tens of millions of americans are in the same boat. and you should absolutely take them on and sign on for credit monitoring and other services you get for free. you are certainly at risk for identity theft now. gerri: oh, boy. you mention there had are other retailers out there. can you give us any clues who they might be? >> we're working with a number of them to make sure they're not breached. we're under considerablety rules. expect more retailers to come

forward. it's not the end of it. gerri: thank you for coming on the sew. great to see you. thank you very much. well, everybody is getting attacked. time for the stories you're clicking on tonight on foxbusiness.com. stocks finally closing higher today after getting hit yesterday. investor shared a report that the u.s. economy grew at the quick clip. 3.2% in the fourth quarter. and facebook rock rocketed to new highs after stronger than expected earnings. more than half of the advertising revenue now comes from mobile. shares jumped around 14% to $61 a share. prosecutors are asking a judge to order bank of america to pay more than $2 billion in penalties for selling bad home loans to fannie and fred any mack. they want them to pay based on total revenue not just profit. bank of america said the fine is too high. the feds have seen more than $21.5 worth of fake super bowl paper. most of the knockoffs were

manufactured overseas and shipped to the u.s.a. once the team were announced. authorities say the counterfeit are poor quality and drive up the price of the legitimate items. those are the hot stories on foxbusiness.com. we have more coming. evidence the warning of doctor shortages may be coming true. next, a consumer alert, how crooks are tricking you in to calling them with a new scram. don't go away ♪ ♪

gerri: who is calling you? one ring to your cell phone cost cost you. details of a new sc

the whole idea is to get you to call back because if you call back it is a pay per call service so if you call back, you will be charged $20 for the call, $10 per minute. so this is a big scam that is back.

the 900 numbers are if you call in 900 number you get a fee. in the united states a lot of 900 numbers went away and regulation came in saying it had to alert you you have to hang up or you will be charged x amount per minute. these are coming from international waters, mostly from the caribbean. caribbean. gerri: if you wait, it is $9 per minute. reality is people will get their bill and won't even pay attention to it. >> they don't realize it, they pay the bill and the scammers get away with it. instead if they pick up the phone and tell the carrier what happened, most likely they will

take it off the bill, reported and the carrier can block a certain number coming in from their switch. the problem is, this is so fast moving and international, so it is hard to track. gerri: you say most of it is coming from the caribbean. i will not know until i get my bill that i know it is a scam. do they really take charges off your bill? >> most will if you call right away and call as soon as you get your bill. most importantly by watching the show right now, you need to be alert these calls are coming from the caribbean. you will see certain areas where they are coming from. i got a call last week, the best thing is to go ahead and use your favorite search engine and use the number in the search engine you got a call from them, there are usually other people that have reported it saying don't pick up the phone, i was

charged, using our search engine is the best way for any number. gerri: do you know what the area codes are to watch out for? >> 809, 284. gerri: is it just a group of people to watch for in the caribbean doing this? >> it is like in organized crime syndicate doing it. they have legitimate businesses, you can't be a 900 number business, but they are not using the law of the u.s. and it is getting through. people are calling these numbers because you think it is a local number. gerri: great point. thank you for coming on tonight, great stuff. those area codes to watch out for, 809, 284. you can look at those area codes again to make sure you are not getting scammed. coming up, how taxpayers are

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>> from th the fox business stus in new york city, it is "the willis report" with gerri willis. gerri: look at that, my friends, super bowl come in. cannot wait. in case you're wondering about obamacare, we have news on that. if you want to see a doctor, good luck, days are turning into weeks and months. joining us now, senior research fellow at the heritage foundation. welcome back to the show. i'm looking at these wait times, and i'm kind of blown away.

in boston you have to wait 66 days to see a family doctor. are you kidding me? doesn't that just make you more sick? >> that study was based on trying to call around and new pe at the bottom of the list. if you want to be a new patient, that is what you face. and established patient, you shouldn't have that problem. >gerri: you look at the wait tie for a specialist, across the country long wait times, many days but it is better than it used to be. better than last year. what is going on with mark doctors will give priority to patients to people who have

urgent cases. you may have to wait. we are not to the point like we are in some other countries where you have to wait and wait and wait. gerri: i have seen the wait times in places like canada where people pay, it is horrible at any rate. let me ask you this, you can look at comparatively if you don't believe the numbers, it is first time people go to the doctor doesn't matter. what does matter is in dallas, in texas you are waiting 10 days. very different scenario. why is that, while people in texas waiting longer than any other place in the country? >> it is not entirely clear. it may have to do with the mix of doctors they surveyed. one of the things we will see is

if obamacare increases the number of people with insurance is some doctors will be harder to get to see primary doctors. more people visiting the emergency room because a lot of people do that today, if they get insurance are most likely likely behaviors to do it more often. gerri: that means we will be paying even more for coverage. another thing they're finding out for the kaiser family foundation, fewer doctors are accepting medicaid and medicare. that can't be good. our people picking and choosing their clients now? having concierge care, move up the pay scale? >> some doctors are. concierge implies you have to be wealthy to do it, but reality is the average middle-class american if you college retainer medicine and you by the service to the doctor on a monthly subscription like your cable bill, or netflix, it is not that expensive compared to what you're paying health insurance today.

get rid of the paperwork and hassles and do what i want. >> another stor straight want tk about is frankly blew me away. also for doctors. wikipedia. wikipedia which gets rewritten every single day, the facts are responsible, they change on-the-fly, can you believe this? it seems the worst idea ever. >> i don't believe it, haven't seen that. there is an issue in consumer information about health care, and a while back the department of hhs and medical groups et cetera tried to establish more authoritative sites, that was originally what healthcare.gov was about before it became obamacare. but i haven't seen people going

to wikipedia. gerri: thank you for coming on the show. >> thanks for having me. gerri: we have other health news for one in 50 children suffering from peanut allergies. experimental therapy from the university of cambridge in britain said children with the allergies that amount of peanut flour. to retrain the kid's immune systems to build up tolerance. results after six months of treatment, more than 80% of the kids ages 7-16 can now safely eat five peanuts at a time. meaning the allergy isn't gone, but parents would not have to fret so much about reading every single label they bring in the household were a child accidentally having a bite of something made of peanuts. good stuff. experts warn us was carefully monitor study and not something

you want to do at home. the university plans to offer treatment soon as special allergy clinics as well as larger studies years away from routine use. when we come back west the question of how do you do that with advice to stop one of the fastest-growing eating disorders, binge eating. while we have to wait and see who wins the worl super bowl, we already know who some of the losers are. [ male announcer ] e new new york is open.

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gerri: the players of the 40th super bowl or not the only one taking hits. taxpayers getting tackled by hundreds of millions of dollars in state spending, their next guest says will cost them for decades. senior fellow at the manhattan institute.

welcome back to the show now. you wrote this great article about the meadowland where the super bowl will be played at how much this thing cost taxpayers. tell us about your findings. >> method super bowl brings this area could compensate new jers new jersey. the whole complex is about $800 million in debt. that is the stadium itself, but the old giants stadium was tore down. when it was tore down. you have other things around the state run by this authority, so the total is $800 million, the authority is insolvent. chris christie is dismantling it. it has to come out of the state budget. the whole sports regime in new jersey going back to 40 years has been a disaster for the taxpayers.

liz: governors say it will rival manhattan. this area will take off and it will be developed by shopping centers and disney, really? >> the governor said this was the most valuable real estate in the world. most valuable real estate in the world, a developer that was talking about bringing a disneyland style thing there, and whole city, if you look if you have a limp, an aerial shot, you will see the stadium, the old arena, bank retail structure which they never even opened, and this is $800 million in debt. for other things like atlantic city convention center. but they exploited it. gerri: in your article you say

the thinking is the economic impact for new jersey minimal. >> the nfl exaggerates the economic impact for the super bowl in general. iindependent economists who studied it. typically it is about $50 million in an area. in the new york metropolitan area come of the gross domestic product in the area is $1.4 trillion, so what is $50 million to this area? gerri: there is a big fight on right now because the people in jersey think the people of new york getting all the money, all the glory and the senator had this to say about this whole issue. >> every time i hear a player or a broadcaster saying he is heading to new york for the super bowl, my ears bleed. apparently the nfl needs a geography lesson as well.

gerri: i know you couldn't hear it, is saying everybody is talking about this being in new york but it is new jersey, my friend. he wants credit. >> most of the activities are in new york. hh should be more concerned about the insolvent new jersey sports acquisition authority and $800 million of debt, he should not be kind to get credit for the super bowl. gerri: how are they going to pay that off? >> this is why new jersey was right as the lease insolvent state in the country. outrageous debt like this the politicians engineer by going around the will of taxpayers. gerri: chris christie made it a point of his tenure as governor of new jersey to fix this kind of stuff. how well is he doing at fixing this little issue? >> he is dismantling the issue.

privatize the management in between making the authority nothing more than a shell of what it used to be. somebody has to pay back the money and they don't have that in the budget right now so it will be more grief for the taxpayers of new jersey. gerri: thank you for coming on, appreciate it. taxpayers are not the only ones shelling out the dough for the super bowl this year. if you're hosting a party or even bringing in a snack, you will be paying more. especially if your snacks include the following. number five, ice cream. you may want to skip dessert because the costs of ice cream is up almost 2% from last year. a tragedy. number four, beer. americans consume 50 million cases of here on super bowl sunday. prices are up 7.5%. number three, guacamole. crop phrases in mexico in florida arson the prices of avocado up 10% which could put a dent in the 100 million pounds

of the tip consumed each game day. as a result he ha you could pay% more. the number one super bowl price spike is chocolate. the price of cocoa is up almost 20%. there is good news, the price of chicken wings is down thanks to the wings shortage which scared everyone. and potato chips cheaper, you just won't be dipping them in cheese or walk a molly. -- guacamole. binge eating has been a big problem for americans. more on this disorder coming up. what super poligrip does for me is it keeps the food out.

before those little pieces would get in between my dentures and my gum and it was uncomfortable. [ male announcer ] just aew bs is clinically proven to seal out more food particles. [ corrine ] super poligrip is part of my life now. you are gonna need a wingman. and my cash back keeps e party going. but my airline miles take it worldwide. [ male announcer ] it shouldn't be this hard. with creditcards.com, it's easy to search hundreds of cards and apply online. creditcards.com. gerri: binge eating affects many americans.

more coming up.

gerri: do you binge eat? comfort eating too much when you're upset or nervous or worried or maybe just bored? when does this become a serious problem with mark binge eating is a affecting 3.5% of women and 2% of men. deborah, welcome back to the show. i have to be honest with you here. have a hard time taking this seriously because people who binge eat, aren't they hungry, board, maybe there's a lot of ice cream in the refrigerator. >> i hear you, i'm a not a perfect nutritionist and they're probably two nights per week i say i am stuff, eight way too much. visit difference between the

run-of-the-mill overeating and binge eating. binge eating usually do alone. you feel terribly guilty and condemnation and actually shame and anxiety far as when i overeat i'm kind of mad at myself because i know how hard i'm going to have to work out the next day. there is a pretty significant difference. gerri: why do people binge eat then? >> it seems like the pattern is teenagers, teenagers and into your mid-20s, people who are chronic dieters that also how a lot of anxiety. gerri: frequently eat alone, eat rapidly. that is very interesting. so what do you do about this? it seems to me this sounds like something you might do for a short period of time in her life so maybe h can get beyond it. how do you do that? >> part of it is letting the

people in your life knowing you are having this issue. it is the fastest growing eating disorder in our country. and so it is really i would say challenging to get over it if you have a very tough problem with it without help from the counselors. counseling is really helpful, and learning how to get your anxiety and people have depression also battling this getting that under control is incredibly helpful. gerri: so there are root causes rather than worrying about the binge eating. >> we all do that almost on a daily basis. we almost laugh about it, ate so much over the weekend, but we're talking about a completely different group of people. people who are doing this daily and usually by themselves. gerri: that is a different kind of behavior altogether.

i read an interesting statistic that super bowl sunday is the biggest eating day on the calendar after thanksgiving. tell me about that. >> yes, it absolutely is. interestingly enough there is a study that shows if your team loses, you need about 30% more calories, so you have to be aware of that, broncos fans, because i am in seattle. gerri: you're going to get some tweets on this, for sure. it is okay by me. thank you for coming on. we will try to be careful on sunday and do it right. >> yes. gerri: thanks so much. well, we will be right back with my two cents more and answered the question question of the day. other problems of the irs a result of cutbacks or management and confidence? welcome back. how is everything?

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gerri: the national pact the advocate found 61% of people: customer service at the iris last to actually talk to somebody come almost 20 million unanswered phone calls. but are these problems result of cutbacks or management incompetence? here's what you are posting on the face book page. the irs has always had a difficult time keeping up with the overwhelming volume of problems they face. richard says in confidence eliminate them or redo. we also asked the question on gerriwillis.com. 3% said cutbacks, 90% of you said incompetence. log onto gerriwillis.com for our online question every weekday. we love reading your e-mails.

gary from tennessee says i'm unhappy with our government leaders, they care very little about the defenders of our nation. and says here is how to use the health care site safely. avoid it the plague. don't go anywhere near this site. and here is jim. he says they are just screwed up, they will conveniently keep a patient insurance carrier as long as they can so they can suck every penny out of the insurance company and the patient. we love hearing from you. send me an e-mail, go to gerriwillis.com. finally, the senate passing a bill to delay premium hikes on hundreds of thousands of homeowners who buy flood insurance from the federal government. the national flood insurance program. it has struggled for years with solvency and required taxpayer bailouts. even now the program owes $24 billion to the treasury. reform of the program is badly needed because the cost of building properties destroyed in

storms is borne by us taxpayers, reform is needed and should have been asap. that is it for tonight's "the willis report." have a great night. lou: it was a good day on wall street and a good day in washington as well if you are a fan of political rhetoric and awkward presidential tickets. president obama said more government programs are the answer to job creation. and house speaker john boehner said the republican party is no longer simply the opposition party. former arkansas governor and huckabee host mike huckabee joins us in just moments. he will have his thoughts and reactions to all of that. and tonight, the economy close up with one of its best a decade. wall street celebrating with a triple digit rally today. "lou dobbs tonight" starts right