sirius xm radio. we'll see you back here tomorrow and monday at 2:00 p.m. "the willis report" is coming up next. hello, everybody. i'm gerri willis. tonight on "the willis report." congress turn up the heat on retailers. consumers' information be protected? >> we must ensure breach like this these don't become the new norm. the chairman and ceo of walt disney company is here. we're talking entertainment, earnings, and what he sees for the economy. and cvs shake up the retail world. put behind the decision to stop setting cigarettes. will others follow? we're watching out for you tonight on the willis -- "the willis report."

searching for justice millions upon million consumers hit by the recent waive of hack attack of retailers. taking center stage on capitol hill today as lawmakers seek a solution to keeping your personal data safe. the head is here joining me republican congressman lee terry of nebraska. congressman thank you for coming on the show tonight. of course, we're hearing more debriefing, more testimony on the topic. today you talked about how neiman-marcus customers might have been ripped off. here is what you said. >> the information was scraped at the time immediately following the swipe as well, and basically -- in essence commingled data so it was undetectable. >> milliseconds before it is sent through encrypted tunnels. >> have you been able to

determine how they were able to get in to the system and place the malware at that very sensitive point? >> that's my understanding the point of access was a comprised set of vendor credentials. gerri: congressman terry, i believe what you're saying here and pardon me, that is new to me. my understanding is what you're saying there is a brief moment of -- a brief window in which the criminals were able to get access to customers' information. tell me about that. >> well, we're trying to figure out how they were able to do that. what i was talking about is there's this little fraction between encryption and nonencryption information. they were able to place the malware at the particular point where they can capture the information before it had been encrypted. that's extremely sophisticated. the one take away i have from today's hearing is just how sophisticated this attack was

both on neiman-marcus and target, and the other piece of information is how numerous the attacks have become. so the hack attacks that you mentioned are becoming more numerous and more sophisticated. gerri: i think we know that. that's become ultimately clear the sophistication is just incredible. consumers tonight asking who do we blame in the retailers said, you know, we're the victims here. but i have to tell you, consumers feel like they have a on the line mop is to blame? >> well, i don't think it's an issue of blame. you can see say that everyone in the system is to blame. what we have to figure out -- gerri: i think you can indeed, sir. retailers are not protecting the consumers. i think that's the concern a lot of people out there have. what can you do in congress to protect our personal information better? >> well, the issue is first of all, they have to have the most secure system. right now we haven't received

the information if it was actually the security systems. or there was some weaknesses that was human made there. talking about those vendors that may have left something open that could have been easily accessed. that's not a system failure. we need to more information on this. the reality is, that they have to up their game. they know the sophistication is increasing. therefore, they have to -- i think one of the other take aways during today we need the chip and pin not in middle or late 2015, but they need to start implementing that technology much sooner. in fact, i would say start storm. gerri: i couldn't agree with you more. certainly, this requires money. that's the link in the conversation. how do we pay the bill? >> well, first of all, i think the banks will absorb that. i think it will be passed on to consumers. the larger the stores, the larger the target is.

they need to be the ones to step up first. then it will trickle down by the way of new point of service, card exchanges with the chip and the pin. they have the money. they need step up knew. the issue then becomes you never have a perfect system. let agree that there is no such thing as perfection. they'll always design something around it. so consumers do have to be educated how they can help protect themselves. gerri: a lot of republicans have said that these retailers, these other companies impacted hotel companies they shouldn't have to pony up more money to take care of this problem. but they have to play a role. don't they? don't they have to be involved in protecting the personal information, the d.a. of consumers across the country? >> absolutely they have top nay are the front line, and they have the obligation to protect whatever information they're gathering from that consumer. it doesn't mean congress steps

in and set the standard for them what their security system has to look like. that actually makes them more vulnerable. that's a road map for the criminals gerri: a road map that frankly with some of congress' what they've been doing over the last couple of years, i don't think we want them writing the standards at all. >> good point. gerri: tell me what you make of the state law. there are myriad of state laws when information to of consumers when there's a breach, when it has to occur. i'm going tell you it's different all over the country. it seems to me that it's possible that some of these companies have violated those laws. >> well, it's hard for them to comply when there's a breach to notify the customers when there's 47 different breach information to standards. there's about seven or eight states that actually have a security standard, which most of them use the term reasonable. which give them a level of

flexibility so they can keep up with the times and not forced in to one -- standard is obsolete. we have an obligation to spend money. they have an obligation to increase the security all the time. gerri: and the reasonable standard, though, could be the problem. your reasonable might not be my reasonable. right. it gives them a lot of wiggle room. i'm wondering for it should be a time frame that is more concrete. congressman terri, before you go. we have four hearings on this topic this week. a lot of different committees getting involved. a lot of different congressman getting involved. is anything going to come of it? >> yeah, i think there will be a national breach notification bill. we're going it start oning on one. it's one legislative take away. we think that one national standard on how to notify and when to notify is much better than 47. they can be more nimble and quicker in getting the message out. >> i know consumers would

appreciate that. congressman terri. thank you for coming on the show tonight. appreciate your time. it was a simple user name and pass word. that's all it took for cyber criminals to break in to the number three retailer in the u.s. our next guest testifies today with crucial advice to hacker proofing your business. philip smith is the senior vice president of government solutions at trust waive and joins me with details. philip, to you, simple user name and password. what do you mean? well, you know, each system remote access user name and password access that system. what we've seen from our investigation is password one has been that common nominator. it's not an acceptable process today. gerri: was that used in the target hack? >> i have no personal knowledge about what went on at the target breach. i can't comment on that. we've seen it over and over again in a number of investigations we performed.

gerri: your company is serving multinational. you're advising a lot of high level businesses to how to deal with cyber terrorism, hacking. when you look at the industry of criminals, really, what do you find is the number one target? >> anything of value; right. we're talking in this case payment card d.a. data -- attacking the u.s. payment system trying to steal the data to monotize it. >> what we see from your own data. retailers at the top of the list, food and beverage companies, restaurant tours. what are the companies the industries that typically get hacked? >> i think you have seen in our report those are statistics from 2012. those statistics will remain the same. those are the top three targeted industries. that is where all the transactions are occurring. that's where people shop, where

people eat, and people. >> millions and millions. every single day. you got to think that's where the opportunity is. what are the number you had that frankly blew me away. it takes an average of 210 days for a company operator to figure out they have been breached or hacked. and for some companies it takes as longer as three years. why? >> you know, there's a variety of reasons. one is a lack of it security expertise. it's not -- it's a very complex issue. most of these industries -- i'm not talking just about the payment industry. we're talking across the board. they don't have the expertise needed from i.t. security staff. it's forensic. people who can go in and look at the systems. that's where organizations can benefit from partnering up with, you know, manage security providers, forensic firms to help them augment the current. gerri: they need expert advice.

clearly. they're not getting it on their own. when they buy software for their company, they go third party providers and going the we lost -- lowest. you're a former secret service agent, and you worked for the department of justice. your view on these issues is much broader than head of the software firm or cyber terrorism firm. what do you see as the solution here? what do we need to do? >> you know, secure city a process. people need to remain vigilant, diligent in their effort every day. it becomes a board-level decision. the board needs to strive through the entire organization. i.t. security requirements. and they have to fund them. again, the i.t. department of most companies are understaffed, overstressed. the i.t. security people are even worse. and they need to be able to rely on industry experts, forensic

experts to help them understand how to defend and more importantly what to do when there is an incident. >> well, we have a long way to go. that's for sure. thank you for coming on the show tonight. i hope we get to talk to you again soon. >> thank you very much for having me. we have more to come this hour including advise on keeping your pets safe and warm during the frigid temperatures. next, a big move by cvs has everybody talking. is the store's plan to stop selling cigarettes a good move? don't go away.

gerri:cvs calling it get -- quits on cigarettes. shareholders not pleased. sending the stock down about 1% today. while -- consumers hear to weigh in karen post. a branding expert. i think it's a fascinating move, and surprising and shocking. government didn't make them do this. they did it on their own. what do you make of it? what does it tell you about how businesses view this issue of smoke --

smoking? >> i think what they did was a brilliant branding move. not only the first one to take this courageous act of potentially lose $2 billion in sales, but they have the vision to know if they're going build the brand around wellness and health they have to walk the talk. and, you know, once those tobacco products are moved out, there is new shelf space for antiwrinkle cream and things that make you feel good. gerri: i guess you are right about that. people made a lot about the $2 billion in sales they lose immediately from jets. the reality it's less than 2 fortunate of revenue. so this is not a big piece of the pie. in fact, it's a declining piece of the pie. so they're looking forward clearly. but don't all companies change their mix of products all the time? >> they do. consumers change and companies that are successful stay relevant. and by not seeing this trend, i

mean, smoking has decreesed almost 50% in the last few years. it's going continue to decrease. this is an opportunity to strengthen their position and standout from their competitors. gerri: you point out something interested there. now they are on the offensive. they are the biggest player in their category in the country. and now they're on the offensive saying, you know, look, we were the first to do. it does anybody else want to do the same thing and putting pressure on their rivals? i think that's a great position to be in. >> it is. and i would not be surprised if others followed. they're singing similar songs. walgreens at corner healthy and happy, and even, you know, the smaller chains are trying to position themselves as a place where you go to feel good and live longer. and tobacco just is not a good mix. gerri: the company said they're going it put out some smoking

sensation products. i'm wondering for they have smokeless cigarettes. those are highly controversial as well. what did you think? >> i think it remains to be seen. i know, they're popular. they're also controversial. i don't know visit answer for that. >> it's funny, i'm a reformed -- former pack and a half smoker, i have to say more power to them. it's not looking forward to be selling cigarettes. what do you say? >> no. it's not. where the action is healthy and happy and wellness and there are so many new products that you and i don't know about yet a this are right around the corner that are going to be filling those shell evers and in a great position. gerri: will be interesting to see how it work out. if others climb on board. thank you for coming on the show tonight. i appreciate your time. >> thank you for having me. gerri: now we want to know what you think. here is our question tonight. do you support cvs's move to

stop selling cigarettes? log on to jerry willis.com. we are more coming up including my interview with the ceo of disney, bob iraqer. the sub freezing and sub zero temperatures don't hurt us. but they hurt fido too. how to keep them safe.

gerri: winter weather affect the your furry friends.

gerri: well, when it is cold outside. it's easy to think our pets and fur coats can adjust to the weather. think again. here with how to protect your pets from the bone chilling code is george. the northeast regional medical district for the pet hospital. he brought along his friend who is adorable. ponc health care o. i don't know how you drain the dog. >> i take all the credit in the world. [laughter] gerri: tell me how do you keep him safe in the cold weather? >> we have to take extra precautions. he loves to be outside. okay. he doesn't always know the limits. so all pets you have to be particularly worried about hypothermia their body temperature goes very low. we have to worry about things like frostbite. gerri: they are wearing a coat. >> not necessarily he wears it outside. gerri: i'm talking about the fur. >> certain dogs don't. his is kind of thinner.

they're not dined for frigid weather. even dogs in the cold when the freezing weather you have to be careful. because especially areas like the ear tips, the tail tips, paws. gerri: can freeze. >> absolutely. gerri: you say there are things booties you can put on the dog. is it something fuzzy? >> it makes sense for some. i don't know if he would wear them. there are booties available you can do to protect them. certainly small-breed dog. you worry about heat loss more so. things like coats and protect end in the wet to keep them dry make a difference. gerri: and, you know, i know a lot of these dogs are outside. they're running around the yard and you have thrown salt everywhere trying to melt the snow. is it dangerous? >> it's irritating. any time an animal comes in. you want to make sure you wipe with a warm water wash cloth wipe the salt or any of the chemicals we use to melt ice. wipe that off their paws.

gerri: if they ingest is it dangerous? >> can it be. there are certain things like antifreeze, a sip could kill a pet. gerri: there are a bunch of deaths of that every year. i've seen it happen. it's so sad. let's talk about other issues with the weather. obviously these dogs aren't built for the super cold we've had. do so you it keep them indoors? you have to exercise them. >> you're right. you have to exercise them and they need that. it gets limited times. using some measures like if it is extremely cold a coat would help. limiting the amount of time. okay. sometimes it's more frequent times to go outside. -ut they get the exercise inside. gerri: shorter trips outside but more of them. gerri: i've seen animal in the super cold if they are outside they crawl up in the car. they try to get close to the warm engine. what should do you? >> a big worry. once you turn the engine off. it is warm.

cats will seek the heat. on top of the hood or honk the harm. gerri: starting the car. you need to get away. gerri: if you have more than one pet, are you less at risk for them getting hurt or more careful? >> i think you have to be careful. sometimes roads are slippery. if you are managing more than one dog walking it's easy for that pet to kind of not necessarily see where the road ends and the sidewalk ends. get excited by playing in the snow. go in to the road, cause risk of getting hit themselves or causing an accident. gerri: he's a jack rustle. i have to say i can't believe how calm he is. he's almost sleeping. >> he's kissing you. gerri: i love it! you can leave the dog with me. >> i don't know. >> i don't know if i can go home without him. gerri: thank you for coming on the show. it was nice to see you. gerri: if you need a baby sitter. i appreciate. it >> he said yes!

[laughter] coming up aol making major changes to the retirement plans. is your company next? plus, it might be a small world. it's a huge company! next i'll be joined by the ceo of disney bob iger for what is ahead for the media giant. you'll want to hear that. ♪ ♪ it's the so ally bank has a raise your rate cd that wothat's correct.a rate. cause i'm really nervous about getting trapped. why's that? uh, mark? go get help! i have my reasons. look, you don't ve to feel trapped with our rai your rate cd. if our rate on this cd goes up, yours can too. oh that sounds nice. don't feel trapped with the ally raise your rate cd. ally bank. your money needs an ally.

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provider. aol is doing this and i was shocked to find out that they had something like this. they are pretty decent size and they are taking this action which i think is going to save them a little bit of dough what you think theii motivation is and how will this work? >> it will absolutely save them some dough. they are saying let us wait until the end of the year and we will make you a lump sum payment the foolowing year. so what the real catch is that. you have to be there in order to collect your years worth and some people are saying that it is a preemptive to the potential downside in. >> i'm not starting rumors but the company itself. gerri: we saw ibm do the same thing and they are one of the companies that access policies. we worry that this would happen

again and here we are talking about aol doing the same thing. is this going to become deridde? they are eroding more and more. but what about 401ks? >> thing about this for the compensation issue. when we talk about the erosion of the compensation and the wages of earning less this is a tricky way of this happening. so you have your benefits package actually going down if you're one of those who falls into the category of leaving too early. gerri: let's talk about this. there is another issue here as well. because i love dollar cost averaging and putting money in the market and i think the end results are better. >> that is a okay. the year versus a one-time periods of you over 10 years you

have hundreds of dollars of cost averaging opportunities versus maybe 20. so as we know the markets go up and down quite a lot. and so the average employee will lose out on that. gerri: what you tell people who are facing this if you are an aol employee or if you work at ibm, what should they be doing to counteract this? >> there is not much they can do. it's described by the benefits department. how is aol treating their employees? and they are holding onto their compensation and what it does to make happy employees make happy people. if you have a bunch of disgruntled employees the writing is on the loss. gerri: at the end of the day i think it only underlines the importance of people taking the responsibility for the retirement on their own shoulders. it's up to you at the end of the day. you are the one who needs to put

extra money away. gerri: you can't allow the government or your employer. it is up to you to take responsibility and to come up with a plan of action for yourself and roll with what is given to you. gerri: for most of the people that are in the working world, they are saving and what else should they be doinggit macnair contributing to the 401k. does it make sense to open up an ira? the most successful investors may not be about stocks but other kinds of investments like real estate in small businesses and what you folks do? >> i don't think it impossible to save too much. regardless of the type of vehicle. otherwise ionians, separated the saving and investing as a mother. if it's not hot on the stock

market, that is okay. the one saving is hard right now because the returns are not dead. you have to be brave and gritted out and actually put some money into the equities. think you were coming on the show tonight. we really appreciate your time. >> you are very welcome. gerri: many are criticizing aol for their latest move in some companies go above and beyond to contribute to their employees retirement plan and that list is tonight's top five. number five is the international law firm which is a los angeles-based company. offering employees who have 66 options versus the average of 24. and this colorado oil company gets high marks for the amount that it contributes to employee plans. oregon anesthesiology has 300 active participants and $200 million in total assets. and north american partners in anesthesia. the plan offered by this health

care company gets high marks across the board and the most generous employer of all is sullivan and cromwell. getting a high rating from this. and one of the themes here? doctors and lawyers. stay with us. welcome back. how is everything?

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it's how edward jones makes sense of investing. ♪ gerri: your sweet tooth could be putting your life at risk. not just your waistline. a new study shows consuming sugar increases the risk of death from heart disease. it is great to see you again and great to have you on the show. i was shocked by this study. because we talk about cardiovascularrproblems than i thought it was shivering food makes us gain weight. >> that is what we have always thought. but this is in the first studies to show that there are some significant dangers of sugar and it's taken in slightly higher

than normal amount. gerri: let's talk about this. i don't know if you can see this or not, but i'm holding up 22 teaspoons of sugar and it doesn't look like that. how can this be such a risk remark. >> this is the first study to look at the total amount of sugar added to your diet and how a quarterly to cardiovascular disease. the average american should consume about one can work of sugar. that is what they are consuming. but if you consume two cans of soda, your risk of the coronary artery disease increases by about 30%. if you consume more than that your risk is out two to 3%. the ones you're talking about sodas that are not sugar-free and i just want to make that clear. is the danger also there in your

eating fruit? to give me heart disease? >> we're not talking about naturally occurring sugars. but what we are talking about a sugars that are added to processed foods and prepared foods and so it's added to what you consume. gerri: we are talking about the average amount of sugar that people eat. about 300 calories per day. the recommendation is about 100 calories per day. >> 75% and we are eating about two thirds more than not. gerri: what are you telling people when it comes to people with kids? about how to reduce their sugar intake. because let me tell you that it is an absolutely everything we eat. >> sugary drinks, fruit beverages and cereals. gerri: a piece of bread to will

have a lot of sugar in it. so how do you reduce your intake? >> the first thing is you have to be aware and awareness is key. then you can start reading labels and thinking about what you're putting into your mouth. so that extra donut and cookie. the sugary cereals. try to find healthier alternatives and going towards natural sugars the one you are talking about alternatives. what are your favorite alternatives in this category? >> i try to look more towards natural fruit drinks and consuming fruits and natural yogurt. things whhre sugar is not added. and that really takes care of reading the labels. >> of the hard part. you look at the labels and it's it's not clear what things are. so what are the words that we are actually looking at the

willard is the fact that there is actually sugar in these products? >> what you really want to look at is the calories from sugars on the labels. also things with high fructose corn syrup and those are the kinds of things he really want to be wary of. gerri: it's great stuff. thank you for coming on, it's always good to see you. >> figure for having me. gerri: still to come, my "two cents more" and the disney ceo joins us. we will have that nice. go to e*t how much our advice and guidance costs. spoiler alert. it's low. it's guidance on your terms not ours. e*ade. less for us, more for you.

gerri: up next, the disney chairman and del is here. we are talking about earnings and the economy and the blockbuster movie frozen

♪ ♪ gerri: if there's one company that is a good barometer on the

economy it is disney. just reporting a terrific quarterly report easily beating expectations on the top and bottom line. profits across all business records. cable tv stations like espn and the theme parks up double digits. but 75% thanks to block busters like "frozen", which has sold a billion dollars in tickets. with me now is bob iger. it's great to have you here. let's talk about these earnings. pretty impressive, i have to tell you. across the board the only slight disappointment here are media networks. particulaparticula rly abc. what is going on there? >> the media networks is a group with the disney channel with softness on the broadcasting side, some political spending and some soft ratings and some increased costs for programming and so their quarter wasn't as

strong as the rest of the company. others reportedly operating divisions are up at. gerri: taking a look at media studios, income up, and up 75% of the movie studios. is that the result of the success that movie have had we not. >> "frozen" was certainly part of it. it came out on thanksgiving. we also have a great film but was the sequel to store. on a couple of others as well. saving mr. banks was another one. such a solid quarter led by what is described as a true blockbuster that has impact and basically continuing to drive but only a box office but business success and theme parks and it is a big deal for us. gerri: i hear that "frozen" is coming broadway?

>> yes, we have had a very successful broadway business going back to beauty and the beast. and so we think that "frozen" is it proper for broadway with live entertainment group started to kick around some concepts and development. we are not saying one, but i think there's no russian about the ride because it will become will be a great musical on broadway for eyes and something that will travel the world. gerri: it's interesting because it's a true barometer on the economy. advertising, tv businesses. what does that business tell you about the company spending. are they opening of their pocketbooks? >> i think you're right. we tend to be a pretty good barometer on the economy. not just on the advertising

front or retail. but on the traveling tourism front as well. domestically and globally because of our presence in europe and asia than here in the united states as well. not only the economy have an impact on but that we have a marketplace as well as we talked about. and when you have something that great it tends to rise above the market marketplace. i would say right now what we are being is a relatively improved economy versus maybe a year ago. there is still not that much visibility and i don't think that there is huge confidence out there i think it suggests from our perspective that they are just uncertain. the events of 2008 in 2009 left an indelible mark on people's confidence. i don't think people shake that memory off very easily.

that being said, we had a great part in walt disney world had great attendance that was driven mostly by domestic attendance. 15% of our business is international. and that's not just because of this but because they want to take your family on vacation and suggests an economy that has gotten a little bit better and again i think the residual effect of 2008 and 2009 continues to linger. gerri: when you talk about the leisure business, then parks are one of the few areas that have really continued to grow. talking to a little bit about investors in shares purdah like the fact that you return money to shareholders through cash dividends. you have an annual dividend. would you ever have a quarterly dividend? >> that has been asked before

and typically comes a better shareholder meetings. and there are costs associated with it. but we have a lot of capital that we have returned to our shareholders and we had a great year in fiscal 2013 and we we have been increasing our dividend nicely and we have also been buying back our stock very aggressively with as much a $6 billion ii buybacks during fiscal 2014. so our return of capital comes in many forms. gerri: you say that disney not a cash quarter based on the board of apple being criticized for not returning money to shareholders and what do you say to that and as a board member, would you prefer something different? >> i do not speak publicly about apple other than confirming the

fact that i'm on the board. if you'd like to privatize, we would be glad to do that and i think it's just great. policy issues related to apple is something i discussed and it was not in any public forum. the one i thought that i would give that a shot. let's talk about mobile or disney. how is that getting your content on mobile devices and what is next in that arena? >> i've been in the business for 40 years and i think that there is a lot of breathtaking change. including mobile platforms and i think that that is a good thing for eyes and a variety of different respects.

and the fact that the product was once only available is now available on a mobile device and what i would consider being a good user interface and experience. and a good deal. and so it's very excited and it is uniquely designed for the platform. and across the globe as well. the other thing that i think is great, it's very powerful and this includes our theme parks. the mobile device would play an even bigger role in our theme parks going forward. and we reserve the time during a different day for attractions.

in this includes a few months ago and the mobile platform gives one of the ability to do that and you can go on the website and devout from the hotel room booked or this as well. and including navigating your experience when you go to parks and that was the aim of the product we have created and i think you'll also bode well for the future in terms of the experience that we delivered. gerri: the problem with content companies like yours is how do you make money on that. we are making this an monetization will grow. particularly when it comes to measuring how the television shows are concerned on the mobile device.

including multi-channel distributors for the right to offer the channels we saw them and they sell to the customers and we get paid extra for that. if you want to watch espn live, you can do that. and we are getting paid by the tribute or as well. and the other thing that is obviously of interest to us is a greater opportunity to monetize the mobile platforms and some will come a better measurement systems and some will dynamically insert ads for the contextual ads, which i think is a big deal and a very important revenue generator for content providers going forward. and then we sell a variety of other products when they are more accessible on devices that should increase consumption

monetization. gerri: we are out of time. thank you so much. that is it for tonight "willis report." see you tomorrow. we asked people a question, 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 mightast. i was trying to, like, pull it a little further. [ woman ] got me to 70 years old. i'm going have to rethink this thing. it's hard to imagin how much we'll need for a retirement that coul last 3years or mor so maybe we need to approach things dferently, if we want to be ready for a longer retirement. ♪ if we want to be ready for a longer retirement. but wi less ergy, moodiness, i had to do something. i saw mdoctor. a blood test showed it was low testosterone, not age. we talked about axiron the onlynderarm low t treaent that can restore t ve to normal in about two weeks in most men. axiron is not for use in women ornyone younger than 18

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broadcasts the white house is in full denial today the cbo director testifying in front of congress ahead of the cbo confirming obamacare will lead to a reduction of more than 2 million full-time american jobs. higher deficits and slow growth the white house responds by denying the findings, blastiig the news organization that reported those findings, then for good measure comedy night that the cbo concluded obamacare was this incentivizing work for