gerri: i'm gerri willis. this is the "willis report." millions of college kids are on financial aid, not because they don't qualify, because they don't apply. ounce of prevention is worth a pound of cure when it comes to your home. essential spring work around. house you must do now. our special report, a user's guide to taxes. we've got the full run-down on what you need to know. we're watching out for you tonight on the "willis report. gerri: tonight the cell phone price war that isn't.

with the current advertising blitz you would think great deals adown and good deals are long overdue. the average american shells out nearly $140 a month on their wireless service. that translates into an eye-popping $1700 a year. at&t an t-mobile are the latest carriers to announce deals for consumers but are these deals really deals. joining me now, the cofounder and chief operating officer for dinah link communications. welcome back. good to see you. so friday and saturday we had two deals announced. one of them saturday, at&t will cut 15 bucks off the two gigabyte plan but really not a lot. at end of day we're paying more and more and more. >> it's a great plan and you are saving money but technically net-net, you're paying more. you're paying less per gig for data but you need the data now because our whole lives in the tech ecosystem are using data. while technically the rates are lower, your bill is more because

you're using data. gerri: take a look at it, what it means on the national level. carrier's average monthly revenue per posted paid customer, 2.2% up. they're collecting more money from us. in the fourth quarter, 61 i assume that is billion. probably. >> yes. gerri: numbers go up and up and up. even though you see the special deals advertised, see them all the time, t-mobile, on and on it goes it feels like we're paying more. >> here is the thing you have to be careful of. where the carriers make money what we call in the telecom business breakage. you will pay for service but not using the full amount of data. so t-mobile is interesting to have this 50 meg plan, 50-dollar plan for one gig. compared to what came out with at&t, $65 for two gigs. the question is if you're not really using it, that extra $15 adds up over millions and millions of user. that is where you make the money. be careful how much you're really using and taylor your

plan. gerri: we'll talk about that little later in the show. look how people waste money on cell phone plans. for now let's talk about the most expensive cell phone services out there. verizon is charging 148 bucks a month. sprint, 144. at&t, 141. t-mobile 120. this hads up over time as we said. what i see, larry, i see coming down the road even higher prices because these big, big players, are buying all smaller operators that offer great deals. >> what is happening, they're buying smaller operators and reason they're doing it, they want to build a customer base but we're growing now into new networks. there is not enough bandwidth out there. you have a 4 g, lte, it will be 5g and lot of smaller networks will go bye-bye. only one that can afford to pay money to buildout networks are big carriers. they have to continue to buy spectrum. there is a big spectrum auction coming up. that is really let problem. there is not enough bandwidth

out there. >> i hear excuses. you hear what our viewers had to say about this we had a couple of tweets i will read. damage el says the word greed comes to mind. i'm a capitalist, greed is greed. he disagrees with you, larry. month at this says, compared to regulated landlines cell phones are way too high for the amount of infrastructure higher. which is sort of an interesting argument. even though you say bandwidth is limited. >> i'm in the landline business. the landline business is ton of excess capacity and companies like myself, buy that excess capacity. in the cell phone business, it is not true. there is no excess capacity. carriers do have to spend billions of dollars to build these networks. there just not enough out there. gerri: i think we'll have more combinations coming. the sprint chairman is talking publicly about his desire to build, or buy t-mobile. >> yeah. gerri: that is on the horizon. do you think that will go forward? there is meeting at chamber of commerce. they will talk to policymakers? >> i do think that will go forward. you need synergies of these two

networks because they're really behind at&t and verizon, that being sprint and t-mobile. if they sprint get the lte that t-mobile started to build, t-mobile needs to combine with someone else to take this thing forward. >> i see my prices going higher in the future. thanks for coming in. >> great to see. >> we want to know what you think. here is our question tonight. have cell phone bills gotten out of control? is your bill out of control? log on to gerriwillis.com. vote on the right-hand side of the screen. i will tell the results at the end of tonight's show. from phones to airplanes, the problems facing boeing's 787 deal liner gotten out of control. a dreamliner making an emergency landing in honolulu this weekend after a engine malfunction, just one day after boeing reported wing cracks on 787 dream liners in production. here to weigh in, travel expert, mark murphy. great to have you on the show tonight. this is a earn canning story. the list of problems with the dreamliner goes on and on and

on. is this worrisome to you? >> not, not to me it isn't. i think whenever you introduce a game changing aircraft like this aircraft and the way it is put together with composite materials, you're going to run into some issues. my only concern if they weren't catching things preproduction. right now the wings, those are wings that are going on new aircraft. and they have noticed a problem and now they're going to try to modify it to fix it. that goes back to something in the production process. some of the wings made by mitsubishi of japan. they caught that and said they changed their manufacturing process. they think that is what is causing it. there are a lost controls to stay on top of this aircraft and all aircraft to be frank. i'm typically very confident in getting on board a dream lineer. >> i got to tell you though, mark, i look at the history of this aircraft and it is deeply concerning to me. what have we had engine problems. >> yes. gerri: problem with the wings as we just mentioned. fuel leaks. >> yeah. gerri: battery problems.

wiring problems. you name it. slats, flats across the board. what is deeply concerning this is really attractive airplane to carriers why because it will be so much cheaper to fly because it is lightweight construction. they will want to jump on this. but the problems seem like a real risk to flyers. >> you have to look when you introduce something new you will have glitches you will have to work out. with every new aircraft that comes on there are going to be glitches and things that they catch. so the biggest issue i think we've had in the last year was the lithium-ion batteries and fires on board because that can be catastrophic. the planes were grounded which is unusual thing. a year ago they fixed that problem. that seems to be taken care of. and now we're seeing, you know, an emergency landing in honolulu because there was an engine oil light and shut down that engine. they could technically fly that

plane on a single-engine. it is designed to do that. but of course they want to take the safe route and land it in honolulu and have the plane checked out because there is lot of ocean in between there and san francisco. gerri: no kidding. i would have been nervous. let me tell you, the problems were not just launch props. there were prelaunch problems. i have four pages of notations of issues with this airline. >> yeah. gerri: it really goes on and on. i can imagine the competitive pressure, the corporate pressure sure, the business pressure to use this airline or this jet will be fantastic. how much longer if will be before some majors, american majors start buying this thing heavily? >> well you know what? i think what you're seeing you're seeing 1,000 plus order right now. so the airlines don't just willy-nilly choose the planes. they don't choose it for one aspect or another, including fuel efficiency. they have done their due diligence. they look ad it. they trust boeing. tough trust those airlines

they're making a massive financial investment in this equipment and as such, they're staying with the dreamliner all the way up to this point. i don't think the engine light and issue with honolulu is a big deal. think with the wing cracks they're looking at that right now because that is something new came up in the change in the manufacturing process. this plane is built all over the world and assembled in south carolina and washington. that is really unique as well. that has november been done. gerri: maybe is a problem. >> could be. >> maybe that the issue too hard to brink together. we would love to see it work but my concerns are huge. mark, thanks for coming on. always great to have you on the show. thank you so much. >> thank you. gerri: we have more to come this hour, including advice on saving money on home repairs you could have now by taking action. could your child or grandchild be missing out millions of dollars of financial aid? why students are not applying for loans, the free loans they could get next. ♪

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gerri: millions of high school seniors are missing out on financial aid for college. according to a new report they're missing out because they're sitting it out. they're not even applying for it. with more on this cal cheney, president of campus consultants, author of paying for college without going broke. welcome back to the show. great to have you here. millions of kids losing out on money and not just loans. we're not just talking about loans here. we're talking about free money, pell grants. grants, that you don't have to pay back. what is going on? >> one of the misperceptions people have the only way you get free money is apply for the little-known scholarships. they don't realize there are government aid programs from the federal government, state government, and aid programs that give out gift aid from the colleges themselves and that is the best type of money to get. gerri: i understand some kids are not even using the form. >> right, many people incorrectly the fapsa is only

for federal loans. they don't realize that can be used to apply for federal grants, state grants as well possibly. as well as school's own grant money could be required. that is very important to fill out that form as well as any other forms required at the schools you're looking at. gerri: i can't imagine not filling out the fapsa. so many kids don't do it. what other factors decide whether you get a pell grant? >> they will look at complicated formula. there are different buckets people can be put in based on situation. they're looking household size. number of household going to college. is income earned or unearned. taxed income or taxable income that might go on the tax return. it is very complicated formula. i cover in detail in my book but there are many variables that go in, not just what salary is. gerri: like magic. one. interesting things about the kids that didn't fill it out, some didn't want to take on college debt, not even understanding that some of the money you receive through fabsa

you never have to pay back. >> many people don't understand the word grant what that means. generally grant is gift aid that doesn't have to be paid back. loans, a loan is in the title of the program, that is program that going to have to be paid back. people are mis, incorrectly assume that if they fill out the fapsa that is to get federal loans that not the case. that is qualify for best type of aid which is money you don't have to pay back. gerri: where do you get the form. >> free application for federal student most do that on fapfsaed.gov. fill that on line. there is paper version. schools may have other forms. you look at your college's website to see what forms are required, when they should be filed for priority consideration. and then get all of the documents in just not the fafpsa. gerri: cal, thanks for coming on. appreciate your time. good job. tomorrow we've got another story on this topic.

we have advice for grandparents how they can help their grandkid pay for school. it takes, takes a village my friends. so which big-named school gives away most money that list is tonight's top five. number five, pomona college, tiny california school only accepts 13% of the applicants. but the average aid package is more than $35,000. number four, princeton. nearly 60% of the students at this ivy league require some the age more tha gra missourihree the univers of than half of t stude at state'siggest public ersity gradu on time but get more than $30 in aid. number two, vassar. this hudson valley has no core curriculum. allows students to design their own programs with average aid package $38,000. number one school with most financial aid. that is yale. that is good thing because the prestigious school is so expensive.

the average aid package is more than $39,000. the total cost attending yale in 2013 syeareyou need ere than -- find. what is new in 2014. question, how do you do that? we give you the best ways to get your home ready for spring, take advantage of warmer weather while we have it. ♪ 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 have to feel trapped with our raise your rate cd. if our rate on this cd goes up, yours can too.

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gerri: despite frigid cold temperatures, spring is really coming, i promise. it will get here. along with pushing your clocks forward, now our next guest says time to fix up your house to avoid costly damage down the road. how do you do that? danny, great to see you. thanks for coming on. >> thank you. gerri: it is all about the gutters and downspouts right now, isn't it? >> it sound like a very simple part of your home but it can cause you so much damage if you neglect gutters and downspouts. cleaning them will make sure it doesn't damn up. the leaves will stick together and allow water to feedback into overhang of the house, causing a lot of damage that you can't see and create one nice haven for insects including termites. you know how much damage they can cause. gerri: that's terrible. it is. we're showing numbers here that you gave us about the kind of damage that you can incur. 2500 to $3500 to fix those eaves.

$10,000 for a foundation repairs. i've seen this all over the place where people don't take care of t and cre such big. nojusthes s is yr ita bece tells aut e dangers that ice might have created on these roofs and eaves. >> well you know it's a very similar to a damn daming price ses. you have a ice dams where the situation where ice forms. when snow melts it, the dam pushes that water up under the shingles and into your at tick space. then it hits hot air of the at tick. it melts. you have the same as you would if you neglect your gutith l dif ceiling sustains. a lot of things there that can be very costly. the problem too, gerri, a lot of these repairs sneak up on you. you don't see things dripping out of the eve. all of sudden you have major damage and don't know it is coming. >> really true. everybody thinks the icicles are so pretty hanging off the eaves of your house. that is sign of a major problem,

right? >> absolutely. that can, it is just that warming effect of having those ice dams. you need to make sure you have adequate ventilation, summer and winter. making sure you have plenty of air coming in the eaves and exhausting out of your house to prevent problems. gerri: that is great point. do it all year-round. not just one time of year. >> sure. gerri: a lot of people thinking, some day soon we'll open up the pool. hopefully. what should you be doing? what should you be thinking about right now? seems too early to think about it? >> not when you think about the mechanics of it all and filtration such a big part of keeping a pool nice and healthy. so any of the filters that you have in the pool, make sure you clean those well. some may need to be replaced and cleaning skimmer. a lot of times during with all the pollen and things floating around, it can pack the skimmer and that debris can go to the

pump. average pump replacement cost, $1800. gerri: ouch. >> that is worth making sure it is nice and clean. gerri: getting to us already. hvac, heating and cooling. a house is almost like a living organism the way the air comes in and out of the house. it all matters. what is your advice about spring coming and what we need to do? >> we always talk about cleaning air filters and keeping furnace filter changed on regular basis. all year long it is so important. the reason it is so important when it gets impacted with dust or dander or allergens, making that heating and cooling system work a lot harder. it is straining to pull that air through that filter. when that happens, your energy bill goes up and the life expectancy of your heating and cooling system goes down. it will cost you a lot of money. average replacement cost, nine to $10,000. you can avoid that simply changing filter every two to three months. use good quality filter.

not cheap 2 or $3. use a good electrostatic fflter, 12 to is a dollars. gerri: thanks for coming on today. great stuff and great advice. we're summarizing what you need to do and take a look at. thanks so much for being with us. >> my pleasure, gerri. gerri: thank you. coming up it has been five years since the start of the ongoing bull market. but can the bulls continue to run? we kick off the user's guide to taxes with april 15th only five weeks away. we'll tell you what is new in 2014. the news is not good. everything you need to know before the taxman comes calling. stay with us. ♪ those litt things still get you.

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a medicare tax, how much is it it and what is the impact? >> it is approximately, i think .8%. gerri: .9. >> .9, thank you, gerri. so it is income that on payroll,

w2 wages, paying additionally as part of your paycheck. means less money in your paycheck every single week. gerri: cathy, how are people dealing with this? you're out there. you see what is going on already in the tax world. people must not be too happy? >> so what is happening with this particular tax, is for couples, say you've got two professionals who each make about $150,000 a year. they may not have had that additional tax withheld because they weren't exceeding the $200,000. but when you combine their incomes, now they owe that money. so they're getting a surprise, and likewise, on the other side, if you've got a couple where there is only one earner, they may have been overwithheld. they may get a little bit of a pleasant surprise they get a little bit of money back. that is what we're seeing, fringes, there is some variations in people's withholding. gerri: devil is in the details.

>> it is geared toward a higher income bracket in general. the problem is many people did not anticipate this one. the dividend, capital gains, and the kind of returns we had last year weren't expected. a lot of mutual funds kicking out capital gains, profits, and you have to pay your taxes by certain time or get additionally penalized. this one will come in as a rude awakening. >> who is getting hit by this and what does it cover?

>> people who were not aware of this tax or playing fo planninge now getting hit with that extra tax they hadn't planned for. and it is too late to get dumped on the losers to offset it. the one thing to know is in many cases it is not affecting the sale of the home. gerri: that is a good point. this could ultimately discourage people from investing. what do you say? >> it is a double edged sword. not only are we looking at the tax liability, but you have to pay your estimated taxes into cover your liability for 2013. not paying the estimated tax, your subject to an underpayment penalty. it is insult on top of injury. you look at somebody making an

investment and say at the end of the day how much did i actually net? higher capital gains rate, the surcharge from this particular charge takes a bite off of your profits. gerri: people love the home office deduction, people live off this, they want to take it, a red flag to auditors, perhaps it will be easier, what do you say? >> this is such good news, you can take a 43 line form to claim the home deduction. now they have simplified the model and basically it is $5 times the square footage up to a maximum of $1500. there are about 3 million filers who claim this deduction each year, so i think it will make a lot of people's lives easier. gerri: it used to be hideously difficult to figure this thing

out because i have done it, and it is crazy. maybe this will make it easier. do you think the irs will go easier on people who claim it? they are always looking at those forms pretty closely. >> exactly right. this was one of the real stickler areas the irs used to go after. you check the box in your form he took in a home office deduction i'm not saying you're guaranteed an audit, but you are up there. they thought is was an area of a lot of abuse, the irs. to simplify their world and ours, they gave a deduction. it makes life a lot simpler for people. if you use it you will not increase your likelihood of an audit. gerri: one of the most important things make a difference to people, a brand spanking new tax bracket for some folks, and it is higher. and a phaseout of deductions affecting different people and different income brackets. tell us about those.

>> there is a new tax bracket for the 400 single, 450 filing joint of 39.6%. it is quite an increase i from e 35%, and there is a phaseout of the personal exemption of certain income levels as well as a phaseout of her ability to itemize deductions. select kind of gets you at the very top end. we took a look at this and saw that with all of these new taxee earners at about $450,000 level, people could be seeing an increase in their tax bill of about $2000, at the $750,000 level that could be about $20,000. gerri: some of them start a lot lower than that, so if you love your mortgage interest deduction, squeeze it one more time because it is being phased out for so many of us out there.

this will be a heck of a tax year for people, lots of surprises for people coming up. you didn't realize how much it would cost to foot obamacare. thank you so much for coming on. really appreciate your time. >> thank you. gerri: coming up tomorrow, our user guide to texas comes up with the best software. which one of those things should you use? plus if you have questions about your taxes, we want to bring you the answers. this friday we will have some of the favorite experts helping out. send your questions to gerriwillis.com where you can tweet me, we will answer those questions and get you some answers. we mark four years since nancy pelosi made her infamous obamacare comment. in a study is out showing who the fair is, women could be from wall street, not been is, as we cover your assets coming up.

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every day of the week. centurylink® your link to what's next. gerri: it has been five long years since the u.s. stock market hits bottom, five years. today the s&p 500 hit 6-6-6. compared to 1817. here are 2:00 a.m., strategist at lpl financial bid the managing principal of wealth advisors. and hilary kramer, the president of ang capital. an interesting screen here. 1823 days for this bull market. i think it might be getting a little long in the tooth. what do you say?

>> the bull market has another year to run. the fed has pumped us up so much and there is money becoming is self of filling keeps going to market. the only thing we have to worry about is some volatility from a geopolitical event but we're still a flight to safety in the u.s. and they are still interested in momentum stocks. gerri: take a look at this full screen. this is pretty impressive. do you think it is getting a little long in the tooth? >> if you go back to the 6-6-6 number every bout it probably six times. last time i took my off the table was in the fourth quarter of 2013. that tells you we feel this is run pretty much its course. we are looking for meaningful corrections. between 10-12%. >> it is not possible. it took 17 months from 2007 until march of 2009 to go down

57%. it has taken five years and we have been recovering. we are really stepping back from a very cruel game. gerri: anthony, where do you come in? >> this bull market has room to run. earnings growing at a high single-digit rate. slow down in the first quarter likely but high single digits. business cycles are longer now and we feel we are in the middle of the business cycle. we still have another one to two years in this market, evaluations are fair. gerri: i did not think earnings growth was that impressive, frankly. that was one of my concerns about the market, where is this going. damn, what do you have to say? >> with some of the emerging market issues from even last year, the growth potential, those of the areas for it. what you have to realize is the full implications of the rising interest rates have not even played out yet.

gerri: you think they will go higher? >> dan, household wealth has increased by $9.8 trillion in 2013. $5 trillion of it was from the market running up creating consumer confidence. consumer confidence has the consumer out there spending. if we have to worry about anything, we have to worry about the agricultural stocks. gerri: you agree it is all about consumer wealth? it looks like they are sitting on their hands. >> the consumer has been very resilient. last week and play report was a boat of confidence the consumer will continue to do well. we still had a pretty good jobs report. the fundamental backdrop still looks pretty good. getting huizinga digit growth rate which would be better than 2013, we don't have the shackles from government anymore. the picture looks pretty good here. gerri: a lot of people talk about the amount of money the

fed pumped into the marketplace was on track with the stock market. as the fed pulls back, does that create issue? >> when you tap on the brakes that is what is going to happen. i would say four or 5%, 6% on the year. my concern is with a run-up this way, you've never seen anything like this going on six years without material pullback. i am not saying the market isn't going to move up some more, but normally have to have something. gerri: i hope they are right, but i did not know that they are. women are better investors then men. did you want to say something with that? >> i was so happy to see this study and others have come out. the truth of the matter is we have an emotional richness, we are able to look beyond fundamental valuation or cash flow or a healthy balance sheet. there are many dimensions that influence a stock and momentum

is possible. rational distress is possible, we understand and can keep investing in a stock like tesla or facebook or google and make money. men sometimes are one-dimensional and they stick to what they believe is going to drive us. gerri: i'm sending all the e-mails to you. >> it is all ego driven for the men. you probably have a client or two, have you noticed women are naturally better at investing? >> with all due respect, haven't noticed it. i think it is a real hard concept to measure. i have seen several studies women are more likely to use a financial advisor. when you have somebody else to cooperate. >> women depend on men, is that what he is saying? >> i think that helps.

gerri: this is a debate that goes on in my household all the time he had one more topics, margins. lot of people buying stocks on margins. what do you think? >> my first attention as it may be some volatility in the market. you may be getting an unsurprised margin fall. >> that can be devastating. i will say every investor should really pare down and make sure they can survive any kind of market pump. i see this bull market continuing to run. if you get a call from your broker and they will liquidate stocks, that creates panic and investors should look at a down market as a buying opportunity, a great opportunity to go shopping for stocks. gerri: anthony, last word. >> it is more of a sentiment indicator because the data on the short interest is hit or miss on performance. we have used it as a buying opportunity as well.

we don't see a pullback on more than five or 10% as long as we keeping getting positive profit growth. gerri: thank you for coming on tonight, thank you so much and of course women win. up next, some hope for women suffering from rest cancer, high, and vitamin that you all maalready may be taking can help prolong your life. stay with us. s. s. it's just that i'm worried about, you know, "hidden things." ok, why's that? well uhhh... surprise!!! um... well, it's true. at ally there are no hidden fees. not one. that's nice. no hidden fees, no worries. ally bank. your money needs an ally. iwe don't back down. we only know one dirtion:

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gerri: the obama administration today dropped changes to

medicare, at least some of them. they would have limited number of drugs covered under the medicare part d program. but they're sticking by proposed cuts to medicare advantage. this just latest on health care by the white house. in recent weeks there have been more changes and delays to obamacare. almost exactly four years ago nancy pelosi uttered her now infamous phrase on obamacare, put that together with a few other memorable soundbites, some of them more recent. take a listen. >> pass a bill so that you can find out what is in it. away from the fog of the controversy. >> if enough democrat stan with a bomb the care and lose listen to the american people and have a chance at staying in office, that is the one scenario we can do it in 2015. if not we will do it in 2017. >> if you like your health care

plan, you can keep your health care plan. >> i am sorry they are finding themselves in this situation based on assurances they got from me. >> i do not like this, uncle sam, i do not like his health care scam. i do not like-- gerri: the last one from sarah palin with her version of "green eggs and ham." now for some good news there could be a change in how to treat breast cancer. vitamin d could help by including survival rates with a study published in anticancer research. with more on this, of duke university. before we get to vitamin d i want to hear what you have to say about those shots about obamacare. it has been a long, long road on this one, are you feeling any better about it at all?

>> absolutely not. if anything i am feeling worse because my patients are very frustrated because they are not getting the care they need or the access they need and finding it cost them more like you and i have postulated over the past year. gerri: let's get back to the story about vitamin d. something many of us have in the vitamin cap next helping breast cancer patients survival rates. what is going on? >> vitamin d is a very important nutrient. we get it through sunlight or supplements. where does for us normally is helps regulate entry of certain sold out of the bone. however in this study we have found vitamin d actually turns on and turns off signals to cancer cells to give them from floor imac proliferating and growing.

gerri: what kind of a dosage do you need and should you take this on your own without consulting your doctor? >> we know far more research needs to be done to determine if this is really going to make a huge difference in the long term. however there is no reason not to take vitamin d. you need to take 600 international unit per day. over 70, approximately 800 international unit. at those doses, no toxicity and no reason not to take it. gerri: there are a lot of medical studies out there reporting sometimes opposite things. there is contentious net over vitamin d itself. what do you make of that? >> we need better randomized clinical controls. this is what we called a meta-analysis. we hold a bunch of other studies and asked a question of that data. i think it does give us pause and we ought to think about designing a trial that actually answers this question

specifically. i think there is something to this. gerri: should women take more vitamin d if they are cancer survivors? >> i think they should. if the tumor is trying to grow again, if this is true we can down regulate tumor growth, it can be very important and there is no downside to vitamin d implementation. gerri: good to see you. >> thank you for having me. gerri: and we will be right back with my two cents more an answer to the question of the day. if your cell phone bill out of control? stay with us. [ telephone rings ] [ shirley ] edward jones.

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that is my two cents more. user guide to taxes offer your best tax software, that is it for tonight's speetwentyeight. we will catch you tomorrow night. >> here's the good news, were not only on suspending spending more than we have. everyone is spending more than they have, so we are all in the same boat and it is sinking. try this figure on for size, $100 trillion. that is the total debt of the world. humankind selected it. it governs the world over that can stop. it is a spending spree that took up steam at the meltdown seven