david. david: we try to provide you context which earnings come and sometimes we lead to you the head of that context bar. liz: thank for joining us. "the willis report" is ahead. gerri: hello, everybody i'm gerri willis. right now on "the willis report," are consumers better off putting everything in the cloud? we have risks and the benefits. also it is a "willis report" cash challenge update. our families discover how much they can save going credit card-free. >> we love self-checkout. it is easiest place to pay cash. gerri: our users guide to the spring real estate market. are young americans right? is owning a home a bad investment? we're watching out for you on "the willis report." gerri: for generations americans have taken pride in homeownership but millenials are strangely missing from the real estate market this spring. why? a new study from the new york

federal reserve shows student debt levels have doubled over the past 10 years, erasing ownership dreams for many. something policymakers in washington seem to want to ignore. it is no wonder because in our nation's capitol the good times keep on rolling. usually when we're talking about houses in washington, we're talking about this one. or this one. but the nation's capitol is also home to a rather unusual market, a market that is often called recession-proof. >> d.c. went down only about 10% in the downturn and sort of already made that back. a lot less volatile but yes, high-priced and expensive. but also in some degree supported by high levels of income. people get paid a lot here. gerri: when mark fleming says people get paid a lot, he isn't kidding. six of the nation's 10 wealthiest counties are in the d.c. metro area according to "forbes." falls church, virginia, forbes

says more than half houses are valued between half a million and one million dollars. annual median household income in falls church is more than $121,000. the strong housing market reflects a healthy job market. >> really is bolstered by a solid fundamental economic diversified economy. there is heavy government base but other things like pharmaceuticals and tech here as well. >> according to the s&p case-shiller home price index, homes in d.c. cost more than twice the national median and have risen more than 9% over the last year. the washington suburbs sure are doing well, right but if you look right inside of the district of columbia itself, household income there is only over a, a little over that is, $64,000. not as good as the burbs. missing from the housing recovery are younger adults or millenials as they're called. homeownership for those 35 and

under compared to 43% in 2004. look at that. what will pull millenials back into the market? we have rick sharga and a chief economist for analytics from trulia. why do you think millenials have dropped out? >> millenials had a rough recession. their unemployment went up much more than for adults overall. even now they're less than halfway back to normal in terms of their jobs recovery. far fewer of them have a job today than before the recession. without a job they're not going to be living on their own and certainly not going to be buying a home. gerri: i understand that the unemployment rate among millenials is 15.5% if you include those people that have stopped looking. rick what do you ascribe this lack of a first-time first-timer group of folks to? what is going wrong with millenials? >> he just nailed it. it really comes down primarily to look of jobs in the recovery

p there are other aspects that go into this as well. some decided to delay it. fannie mae did research which indicates millenials are still interested in being homeowners pretty much at same percentages as previous generation but they. ed to delay it just like they're delaying getting married and having kids which are two big life events that precipitate a home purchase. gerri: one of the reasons they're delaying all this spending, because they don't have the money. not just because the job problem but because they have a lot of college debt. look at this. the average millenial has $27,000 worth of college debt. this is putting everything on home for them, jed. do you believe this factors into the housing market as well? >> student debt is a big challenge for millenials. means it is harder to save for a down payment and that debt counts in the new qualified mortgage rules that look at your total debt to income when calculating whether you can repay a mortgage.

that's a big challenge. but what we are seeing right now is millenials renting and homebuilders are betting on millenials continuing to rent. apartment construction hit a 15-year high last year. so if we're looking for millenials in the housing recovery it is not looking at first-time home buyers. but when we look at rentals -- gerri: that's where they are. >> that is where we see recovery. gerri: median income is 37,950 bucks. that is renter. that is somebody who can not afford a down payment. what do you think, rick, will entice millenials back into the market? what will get them there? secondarily, one of the big questions i have, a lot of these millenials think it is not cool to own. they think it is cool to own a smartphone. use uber app, not even have a car. is there something in fashion, the fashion of traveling light? >> you know there tends to be that, that trend he among people

that can't afford what they really like. in recessions or recoveries they spend money on designer jeans and designer coffee because that's what they can positive ard and makes them feel good. i do think this is generation that will ultimately move into homeownership. they're doing it more slowly. gerri: right. >> i think affordability is an issue. gerri: it is all about affordability. >> comes down largely to affordable. the biggest reason they cite for not getting into the market is lack of fund for down payment. gerri: jed, you told me wait until the people have kids. they will be in the housing market big sometime. do you still believe that? smooth exactly, rental is very urban demand. there are a lost suburban areas that people move to when they approach school age. they need to think about where they want to live today but where they will want to own a home when the kid start turning five. gerri: clearly need to be putting together a down payment.

rick what will it take? mortgage rates are not that high, right. they're pretty low at 4.22%. >> right. gerri: we have a rise in housing prices but they're still not at 2006 levels. the issue would seem to be inventory. what will it take to get them back in the market? >> you're asking the classic chicken and egg question, gerri. is it lack of inventory keeping buyers off the market or lack of demand from people putting out more inventory? i really don't have a good answer to that one. look, first-time homebuyers typically make up 45 to 50% of the market. right now they're in the mid 30s. it doesn't pay for a homebuilder right now to build low end properties for entry level buyers simply because there are not that many of them coming to market. so i think it comes down to as the economy improves a little bit, people start making more money. they start putting money away for that down payment. they can move forward. gerri: jed to you if you have any advice for millenials

aspiring to homeownership what would you say? >> decision to rent or buy is long-term decision. millenials often need to move jobs. their life circumstances might change thinking about marriage or kids. they might have to move to another city. makes sense to buy if you're staying put for several years. not only thinking about what your economic circumstances and lifestyle is today but you need to take a longer term view whether to buy or rent. gerri: perspective. you need a little perspective. rick, jed, thank you for being on today. >> thank you. >> thanks. >> if you're look forge a new home, here are some markets where homebuyers have an edge. this is according to realtytrac. places where prices have actually gone down. jacksonville, florida. after seeing a 15% rise for third and fourth quarters of last year, this coastal city saw 1% drip in the first quarter as market couldn't sustain the pace of 2013. inventories low. there is virginia beach, norfolk

and newport news and southeast virginia, a pretty part of the country. sales prices there have fallen 5% in the first quarter of this year as federal defense spending has fallen of the area boasts miles and miles of waterfront properties. greensboro and high point,north. listen to this, rael at this track found 8% drop in existing home sales in the first quarter. they're blaming millenials. experts say 18 to 34-year-olds account for half of missing homeowners in the region of the instead they're renting. we have more and more to come this hour including your voice. as you know your voice is important to us. that's why during the show we wan to you facebook me or tweet me @gerriwillisfbn or send me an email @gerriwillis.com. i will read your tweets and emails. cash is king. two canning challenge participants are sharing how they are going credit card-free. there they are. we'll talk to them in a minute. i'm m-a-r-y and i have copd.

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and after the baby is born. simple is good right now. (anncr vo) innovations that work for you. that's health in numbers. unitedhealthcare. is all ready the brand ofstate the year.d berkshire hathaway home services. good to know. gerri: welcome back to the "willis report." it is week six of our cash challenge and each of our participants have been growing strong. every week we update you how they go about day-to-day using cash ownly. here is how one of our challenge

takers found a perfect way to incorporate her cash-only lifestyle. >> hey, guys, that time of year and i am so excited. it is the perfect time for cash and fun at garage seas and estate sales. gerri: see how they did at the garage sale. with me are steven and caitlin. you know what? this is week six, week six and you guys are still going strong. caitlin, how is it going? are you still charging ahead? >> gerri, we're having so much fun. we're really enjoying it. we're saving money. we are communicating better. i feel like we're staying on our budget better. so we are loving every step of it. gerri: now, i want to talk about this sale and steven, i saw a sign, you guys have to talk about this, it said estate sale. now was it an estate sale or was it a garage sale? >> it was an estate sale, gerri. that was an impulse. i was coming back from the gym

and i thought, i'm going to go real quick and of course i found something much. it was in the budget. and i had to get it. i zoomed back home to grab my cash and thought this is a great opportunity to really capture this because you have to pay with cash at garage sales. gerri: they don't swipe your credit card at a garage sale, do they. what do did you buy? >> not yet. >> i bought a chest. we need hail bit more storage and i bought a chest. i will refinish it. that is fun for me. gerri: that's a great idea. steven, jump in here. you're happy. you're on budget. you're on target. it is going well? >> it's going well for me. last month, towards the end i think i communicates that i was having a little bit of difficulty with the numbers coming in a little bit smaller as the month came to an end. now that we've gotten into the month of may and had a little bit more to work with i am feeling really good where we are with the cash challenge. i'm excited to keep going on

with this for many more weeks and maybe continue it forever. we'll see. i'm happy where we are. gerri: very cool. you are on record now. there is no backing out. >> i know. good job. >> it is on tv. it has got to be true. caitlin, you talked to us about using cash at the checkout. obviously at the estate sale cash was king but where else? >> well i would say self-checkout is awesome. so of course the estate sale, self-checkout. i'm finding that i like it more at gas stations, weird. i'm getting excited about, we've been rounding up all of our purchases, as far as our budget is concerned. it is really fun to collect change that has been exciting for us. so it has been a lot of fun. gerri: so, of course at the gas station makes all sense in the world if you pay less, because they charge less if you give them cold hard cash. >> yeah. gerri: what is coming up next week, guys? >> well, next week we are going

to be visiting some families. we're going to do some traveling that will be really interesting, to see how we can incorporate cash into your travel. so we'll take lots of pictures and video for you guys. gerri: steven, i have to ask you -- go right ahead. >> i was just going to say, one of the things we really haven't communicated about yet. that is something we'll have to talk about soon. gerri: you know, it is all about talking, isn't it? steven, before we go i want to ask you because this is our poll tonight, how much cash do you carry? how much cash do you carry in your pockets? >> oh, it varies but anywhere, probably between 100 and $500. gerri: whoa. caitlin, do you do the same? >> he is loaded, gerri. i blow through my cash. it is sad. then i always have to ask him for cash. >> i don't have the $500 in there right now. i have 100. but it feels good to have it because i need to spend a little

bit tonight on gas. that will probably use up quite a bit of it. gerri: you know, i'm starting to get the feeling feeling that mek around with more cash than women. we're doing informal surveys of our staff. >> well they're not hitting up the estate sales coming home from the gym, right? gerri: steve, caitlin, thanks for coming on. good to see you. >> thanks, gerri. gerri: do you want to join our cash challenge? i'm looking for people who want to go credit-card free. go to gerriwillis.com for more details, send me an email. tweet me @gerriwillisfbn. i want you on the show to follow your experiences. we want to know what you think about our question tonight related, how much cash do you carry? under 50, over 50, none? log on to gerriwillis.com. vote on the right-hand side of the screen. i will show the results at the end of tonight's show. later in the show, an obama care contractor is paying workers to sit around and do

nothing. we answer a question how do you do that? the majority of americans are storing data online but how do you use the cloud while keeping your information safe? we have details coming up. ♪. 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 might last. i was trying to, like, pull it a little further. [ woman ] got me to 70 years old. i'm going have to rethink this thing. it's hard to imagin how much we'll need for a retirement that could last 3years or mor so maybe we need to approach things dferently, if we want to be ready for a longer retirement. ♪

gerri: it is not all sunshine and rainbows on the cloud. the dangers of storing your data online. plus tips for protecting your info, coming up. ♪ what is this place? where are we? this is where we bring together the fastest internet and the best in entertainment. we call it the x1 entertainment operating system. it looks like the future! he has a phaser! it's not a phaser! it's my phone! he can use his voice to control the tv.

you can use your woice? my voice. your woice. my voice. "vuh," voice. his voice. your woice? look. watch sci-fi. [ female announcer ] the x1 entertainment operating system, only from xfinity. gerri: stormy weather may be ahead for one of i.t.'s hottest hits. cloud, you put it up in server

farm somewhere in the middle of the country, who knows where it is of the storing data online exploded with popularity with 77% of u.s. adults reporting to use at least one provider but up loading your data has consequences. should you use the cloud to begin with? how do you stay safe? here with answers, with tech know buffalo. using most out of your technology which what i'm trying to do every single day. i had a big fight with my ipad today. it was resolved. but in the break you were telling me, the cloud is something, some people don't know they're using. >> really funny. the cloud is everywhere. you can't access the internet. you can't leave the house without accessing cloud in lot of ways. gerri: when you say the cloud, it is not really the cloud. it is not up there. it is down here. >> data stored in huge data farms by a lot of big companies. amazon has f-3 server, that

simple secure server. that stores things like pinterest to hess gas stations. security cameras in your house, all kind of different clients they have. microsoft is yours, another one. gerri: here's my question. >> sure. gerri: i am on the cloud because i like to make sure my data is safe but a lot of people out there trust the cloud. should we trust the cloud? >> that is sort of the problem because we have the trust the cloud because that's where it is going whether we want to or not. i would put data in places you can trust. big-name companies are best. you have situations like "heartbleed." gerri: "heartbleed" what do you mean? >> back door access that edward snowden was talking about that the nsa had where american companies had these openings that the u.s. government knew about, didn't really say much about it. that is a trust problem. why can't we know where our data is and whose hands it is in. the risks are identity theft. other areas like that, not just oh, someone has your family photos. gerri: it is not perfect.

not necessarily even secure but you have to use it why? >> well that's a good question because it is everywhere. if you pick up an iphone and taking pictures they're automatically backed up to icloud. when you're posting things on pinterest, companies you interact every day are storing in the cloud. not just what you do. you're not going on i will up load the files. it is not as simple as that you're dealing with facebook and twitter and credit cards and banks of the these are clients that also store data in the cloud. gerri: this is what i want to know. i have a lot of personal information on ipad. people have personal information on the phones or whatever. what are your favorite storage sites that i could up load stuff to the back up to the back up to the backup. >> i lo of dropbox. it is great for files. if you want to back up word documents t has really great application inside called carousel where all your pictures can easily be brought up into a really nice al b that is one of my favorites. i personally use google drive. anywhere you can find a lot of

storage for free. yahoo! as flickr for photos. give you a terabyte. more than a lot of competitors. gerri: todd, here is my dopey question. horrific beginner question. how do i do that? how do i store stuff on here on another cloud somewhere else? >> i think in a lot of ways that is what makes the cloud so attack tiff. it works in the background. log in with flick ir. back up photos automatically. you log in on computer, yahoo!, flickr.com and type in user name and password and works seamlessly without you knowing it. why some people like it and why some people are really afraid of it. >> i use it. i have no idea if i'm going to be hacked to death or not. todd, thanks for coming on. so interesting how it works and you're great explaining it. >> thanks. gerri: wow, still to come your opinion is important to us. at bottom of the hour you sound off what matters to you, but you can't get in on the conversation unless you tweet me now.

go to gerri willis at fbn. how one processing center was paid a billion dollars to build and manage obamacare. why are workers sitting around on their hand doing nothing? we're going to tell you. so i can reach ally bank 24/7, but there are no branches? 24/7. i'm sorry, i'm just really reluctant to try new things. really? what's wrong with trying new things? look! mommy's new vacuum! (cat screech) you feel that in your muscles? i do... drink water. it's a long story. well, not having branches let's us give you great rates and service. i'd like that. a new way to bank. a better way to save. ally bank. your money needs an ally. if ...hey breathing's hard... know the feeling?

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.. gerri: one of the of biggest companies linked to obamacare and you probably have not heard of it. it is a british multinational who was paid over $1 billion to help manage part of obamacare. in the report says workers at this company's office who were supporters -- supposed to be processing paper applications are doing nothing. we have a former senior policy advisor for medicare and medicaid services.

now a.e.i. scholar. this is astonishing. first abolishes the british company. why can't we hire americans? they hire contractors why don't they hire americans? mikulka at the contracts across the board there is a lot of foreign entities getting contracts awarded. this firm was supposed to be processing paper applications the goal was to applications per month. they did not even do that. because no one was signing up for obamacare river paid based on how many people they had in the shops so they kept hiring. gerri: so they have a 1.2 billion dollar contract thank you very much. >> right on the launch of the eve these contracts are rushed out. they have the appeal only

handed out a couple weeks before the web site was launched. gerri: it is half-assed an unbelievable this even works. but talk about the back end of the web site the part that closes the deal, has that been finish now? >> no. so they still get paperwork from the federal government. gerri: unbelievable. unbelievable. now you get a refund from obamacare? >> the law says they could only use of certain proportion from premiums to operate but the rest has to go to direct provision of medical care. it sounds good but it helps them to protect the of big

insurance companies because when it comes into the marketplace they have to spend more money on the premium cost with advertising, to hire people for unexpected losses. look at what is happening. of the 220-0500 counties in the country more than half are served by the health plans. gerri: today and in your times they talk about how few providers there are. >> this is one of the reasons why. look at the number of new plants that offer coverage to people. especially relative there is so lot of capital going into those plans. and now you have fewer

plants in the obamacare exchanges but now we just see the medicaid. gerri: but people are signing up? >> but to provide services? >> i am glad to hear that everything is working so well. gerri: and if you like your health care you can keep it? is now on to the next three. the corporate bond market a new report says a growing number of analysts warning of a pullback coming. we have president and ceo of schaede for asset management. sari you are on the 12th floor. told me about this. people are looking for some

kind of return. what is going on? >> this goes to the deflationary depression scenario. from one of there earlier meetings one year ago investors looked at the lower interest rates and with the growth from into their retirement years looking for income. and the stock market is nervous so they chase the junk-bond market were the high end investment corporate bonds where they trade much differently. their brushing in here to get the yields and they have come down. gerri: so they go out with the risk curve further and further sea were blaming the reserve for another asset bubble? limit you know, me. it has caused a lot of

turmoil from commodities and currencies to interest rates. i have been on your show many times that the economy is not growing not just hour federal reserve but all central banks involved to create this phenomenon of lower interest rates chasing risky assets to create inflation and it just is not working. who is left holding the bag? gerri: i will tell you the same ones that is the individual investors. what issues your advice to night? >> my suggestion is to have the exit strategies or a point to get out. when the bond market prices start to go down and the yield starts to go up is a more risky environment. so not to get directly out

because you need the in, but stay liquid to have the exit strategy when you do see the bond prices start to go down with the principle instead of the yield then that is the time. gerri: what are the warning signs or the red flags? >> i have a model that i used the price is the junk-bond stooge treasury bonds. gerri: i need something simple. >> of treasury's move higher and the bond prices are not moving higher with them that is the divergence something is wrong. the risky assets will sell off if the treasury prices continued to move higher. gerri: this topic is relevant to a lot of people but if i look for something else near retirement with a good proportion of my portfolio in my corporate treasuries what could i

start moving toward to feel relatively safe but reduces my risk of a bond market a blowup? >> what is out there with the investments and risks? i will stay on the shorter and. but there is a problem the stock market and bond market could go down together. the have problems on the stock side you might want to lighten up on the stock side but then again go to short term than were 12 year paper instead of 30 years because that is rather riskier moves will be and the volatility. gerri: thank you. now we want to hear from you. about the poll question how much cash do you carry in

your wallet every single day? >> usually about $50 just in case. >> the only time a kerry cash if i know i needed to otherwise use the card. >> usually about $500 i am old school. >> i find that men carry more money. >> feel make cash i know is johnny cash. >> do you think of real estate as an investment? >> it is but not in the united states. >> but for a time and matters spend for future benefits just consider those intangible benefits. and giving the okay for interstate highways in the

money raised will support other programs and just because the government says it is okay does not make it the right thing to do. in wyoming -- travel is done during the interstate to get to work. not what they want to do but a necessity because that is where the job is. that is another expense tendering as to live comfortably. go to gerriwillis.com. taxpayers see red over the white house latest attempt to go green. and how taxpayer money is putting solar panels of the white house with no results. coming up. i ys say be thman with the plan

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creates something else as well: jobs all over america. engineering and innovation jobs. advanced safety systems & technology. shipping and manufacturing. across the united states, bp supports more than a quarter million jobs. when we set up operation in one part of the country, people in other parts go to work. that's not a coincidence. it's one more part of our commitment to america. predibut, manufacturings a prettin the united states do. means advanced technology. we learned that technology allows us to be craft oriented. no one's losing their job. there's no beer robot that has suddenly chased them out. the technology is actually creating new jobs. siemens designed and built the right tools and resources to get the job done.

gerri: the keystone pipeline kicked down the road again and derailing other legislation in the process. the bipartisan energy savings bill with broad support died yesterday after republicans tried to push the amendment through with the keystone pipeline. was five votes short can americans ever expect anything? now from the manhattan institute we have the latest in his book just came out today. said it had and he writes a good book. i have read them before. should reach expect the pipeline is on hold until he is out of office? to make at least after the midterm elections but remember regardless of keystone now it does not matter because look at north dakota or western alberta they are bringing more oil

by rail capacity north dakota has 1 billion barrels of railroaded capacity so does alberta. the fight against keystone by force. gerri: it has circumvented all the traffic to rail which is not as safe. gerri: that was the point i was going to make so that unintended consequences not a positive. >> the inventors -- to environmental laws are cleaning say this is what they will die on to mix my metaphors. gerri: wheaties to the block saying the white house is going on solar panels and we have video. i hear they can power like a coffee maker. >> it will be more than that >> not much. >> i have solar panels on my roof i did it to get the subsidy from the local utility.

it is said the down there. i am bullish on solar. look at the cost of solar since 1980 it was 20 now is less than $1 but this this symbolism by a the obama administration. be clear. >>, is to be paid? they will not even tell us. >> and they want to estimate how many kilowatt hours they will produce. it is about the administration claiming they are tackling climate change but the reality is we already in the bow world with co2 emissions with natural gas. ge cannot get into my house because we don't have enough capacity. it is very frustrating for americans that our own home energy prices are going up and not down. >> we are using more natural gas with electric generation but obviously i worry i am

worried we are too dependent on natural gas at the expense of using more domestic coal. gerri: capsulate. the world's longest name we sure in.and i have read your books before. >> don't read it. just buy it. [laughter] gerri: you said this is the book that i wanted to read. >> it is part of the title cut innovation keeps proving to people who think there are a catastrophe wrong. >> that we will all be under water in 20 days. >> four run out of food or people. that we will spoil the planning and headed for doom but innovation and zero

entrepreneurship and innovation by different companies to talk about ford motor and other companies and mobile pavements they raise living standards to increase economic growth. gerri: check out the book. thank you. later my $0.2 and $17 trillion in debt but congress is still flying high on our drive. details are coming up next. we want to introduce a new segment about the consumer gauge about what matters to you. here is the latest snapshot what is happening to your money. were gage rates are ticking down and gas prices are up $0.2 the stock market hits a record high today and now up more than 2.5%. home prices up more than

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does congress fly first-class? >> good question. and just to talk about zero little-known perk from both parties using our taxpayer dollars to lease luxury cars now we talk about now the use book full fare first-class tickets for themselves on official business. gerri: tell me and least they fly over three hours or there is a limitation? >> there is not as of now the bill pending would change the way this works. i am macready frequent-flier. i fly coach especially on my own time. if i get upgraded that is great. and allowing them to crisscross the country they will be upgraded but

proactively to go out to spend our money on first-class tickets out of the gate it will not affect our debt but it is frustrating that they think they are in a ruling class. there is supposed to be public servants. gerri: i hear what you are saying. tell me about the bill. is this another head fake where they say are doing the right thing but they are not ? >> and the point of the bill the way it is titled the fit is good enough for members of the military it is good enough for congress. so there is some populist appeal and may be taxpayer money but the principle is

47 percent of congress last year were millionaires but if you want to file a first-class and then you can pay for the upgrade because you have the of money congressman. it is not that complicated. gerri: it is an end. so if you do fly all over the country and you use your frequent-flier points that is fine. but to say that you always fly first-class? if you want to be in touch with the people you need to live like the people and understand what they go through. >> you should in theory. part of the problem of washington is politicians have abandoned the idea to care about the of little people.

they don't need to feel attached to the little person's experience because they sit here and make the rules we have to play by. and look at the ways and means committee cheating on their taxes they don't play by those rules that they expect special privileges we could not dream of. gerri: we need to take a couple of congressman with the flights on coach to see how they like it. gerri:. >> here is a tiny cup of water. in joy. [laughter] gerri: thank you. i will be back with that answer to the question of the day how much cash do you carry?

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gerri: apparently no transportation is safe. the actor was arrested in new york city for riding his bicycle the wrong way down the street. there he is. when the police officers stopped him he said he did not have the education and became enraged because they were too young to recognize him. he got the officers' names and badge number and tweeting out the york city is the mismanage carnival of stupidity desperate for revenue. >> and every circus needs a clown. i have to remit to be obsessed with real estate that is why we're doing all week but the fact the

millenials are opting out or avoiding it is distressing because home ownership is what you need to be financially successful. think you for being with us. neil: is the two-party over? you better hope not because regardless of your views if this party has had its day in the sun and the sun is setting, think about this. tape party candidates generally are not very well not only in north carolina where the republican speaker one hand and lead to prevent to other tv party candidates from doing much damage and losing by a country mile in kentucky, a georgia, mississippi.