liz: guess what? time for "the willis report." gerri is rocking up and getting ready for the show. you took a wild in order to teach our viewers how to restart a stalled car while speeding down the highway. you need to know this. gerri: that's right, liz and david. it is an important story. we have simple, simple solution if your car stalls out that you can fix it even if driving on highway at 50 to 60 miles an hour. we'll tell but that. whole foods caught red-handed overcharging customers. we'll tell you how they did it and what you should look out for no matter where you shop. aereo loses its case in the supreme court. each side says it is a big win and big loss for consumers. which is it? a great time to take a cruise. deals are hot and so are the destinations. we've got your guide. "the willis report," where consumers are our business. starts right now. gerri: we begin tonight with a solution for your bottom line. with tensions in iraq fueling more pain at the pump, drivers

will be forced to pay record high gas prices during the jewel fourth weekend. what if i told you one simple step could save you 15 cents on every gallon of gas you buy? here to explain, clark howard, host of the clark howard show and scott ray, senior director at walmart of the they have the details on the latest gas discount you need to know about scott, i will start with you. give us the basics of there program. what is walmart doing with the gas prices? >> so, gerri, thanks a lot. one of the things we always try to do is save our customers money. so for the fourth year we're able to leverage our partnership with murphy usa to provide our customers 15 cents off a gallon at all participating stations. you can do that in 21 different states. gerri: so there are someplaces you can't do it obviously. doesn't work everywhere. clark, to you, how important is this? i know you're talking to people all the time. you have got that radio show. what are people telling you about gas prices?

>> well they're very frustrated and especially with all the new domestic supplies of oil, they are wondering why is the price going up? but world events control that. what walmart's doing is so neat because if you have a bluebird card, bluebird.com, or you have a walmart credit card, you save the 15 cents a gallon just by doing what you already do, but paying with the bluebird card or the walmart card. gerri: all right. >> but if you don't have a walmart near you there are still at love other waives to save on gasoline and i'm happy to hit you with some of those when you would like. gerri: we'll get to some of that. i want to stick with walmart for just a second. what i find interesting about this scott, is that you guys do this over and over again and end up saving consumers, millions, tens of millions of dollars. my understanding this is, i believe is the fourth time you've done this. how long is this offer going to be on? how long can people do this? are there limits to how much gas people can buy?

>> yeah, gerri, this is our fourth year of doing the program. last year alone we saved our customers over 9million dollars at pump and that is real money straight to the bottom line of that customer. we're running it through labor day week. there is no maximum. you can buy as much gas as you can buy as one of the tender types we talked about, walmart credit card or amex. our customers tell us they really love it. gerri: i want to show you a map of someplaces this is on offer. it is not on offer everywhere. clark, i will get you to speak to that. why are there some states, because wal-marts are everywhere, why are there some states where you can't get this deal? >> well, on your map you show florida as an example. florida has a law that punishes people who discount gasoline too much, to try to support the local gas station operator. so there are restrictive laws in certain states that either, minimize what walmart can provide as a discounts on this

program or outlaw walmart discounting on this program. and you know, i'm so into the free market it just drives me crazy. because people should be able to decide for themselves where they buy and the marketplace should decide what they pay. gerri: i got to tell you, sound a little anticompetitive to me those rules. >> totally. gerri: scott, to you, obviously walmart has been doing this on and off for a long time. how do you guys decide when to put the offer on, when to discount gas prices and what kind of reaction do you get from your customers? >> our customers tell us they love the program. customers are more strapped during the summer looking for things to do with the family. they're going on events and going on vacation. we found customers really expect it and want to react well to it during the summer driving period. typically between memorial day and labor day we'll try to run the program. gerri: clark, last to you. give us your single best idea for another way to save on gas. >> pentagon federal credit union

at penfed.org, has a rewards credit card that gives you 5% cash back on all gasoline you buy just across the board. gerri: huh. >> penfed is wonderful credit union. the card is annual fee-free. you get that card and you save every time you nil up. -- fill up. gerri: clark, scott, thanks for coming on the show tonight. you watch "the willis report" you immediately save 15 cents a gallon on your gas. i love it. thanks, guys. >> sure. gerri: we've been covering the gm story for some time, right? talking about cars that stall because of an ignition switch failure. if your car stalls on the highway would you know what to do? if not, the story you're about to see could save your life. we're going to show you what to do during a high speed emergency [engine noise] high speed decision making is what race care drive something

all about. so we went to a private racing club outside of new york city. we had a driving expert show us on camera how to handle a high speed emergency. >> remember there is no reason to panic. just stay relaxed. is very simple to restart the car. gerri: ari straus is the president and ceo of the meant sell low motor club. -- monticello. it costs about 100 grand to join. you get to race your sports car around the track or take out one of the jaguars, ferraris, porsches or other high speed machines owned by the track. because the deadly stalls in the general motors cars we've been telling you about for the past few months involve cars that still use an ignition key, we wanted to demonstrate a key start first. we used a toyota tundra that does not have a stalling problem. so, ari simulated it by turning the ignition key from run to accessory. that is what happened in the gm cars because of the faulty ignition switch. tragically for the gm drivers the ignition switch moved out of

run on its own and the drivers had no warning. watch what happens when ari forces a stall. >> so if the key moves out of drive into, let's say accessory position, the car is now stalled, i will lose my power steering. it feels a little strange but i'm still on the highway and have cars around me. first thing i do is relax. number two, throw it into neutral. number three, restart the car. , four, put it back in drive. gerri: ari thinks one of the reasons that some people crashed when their gm cars stalled they didn't know the engine had turned off. he said many people don't know what tachometer is, if it goes to zero while you're moving, chances are your engine is turned off. ari said the drivers thought there was something wrong with the steering and brakes. >> this is when someone might panic because the wheel feels heavy. remember you can still steer the car. no reason to panic. but it back in neutral, start it

up, keep my eyes on the road, put it back in drive and go. gerri: one caveat. you can still steer, this is, if you're strong enough to wrestle the car to the side of the road. power assisted steering and power brakes exist for a reason. here's something really important. you must make sure you knock the automatic transmission into neutral or the car will not restart. watch what happens when ari tries to restart a moving car without putting it into neutral. >> i'm in accessory mode. i try 6 try to restart it. it is not starting. this is steering is tough. this is when people panic. don't panic. stay relaxed. if i can't restart it i haven't put it back in neutral. put it in neutral. it is restarted. put it back in drive. and now i continue on. gerri: since so many new cars don't even have a key, they start and stop with a push button, we wanted to show you what happens if you need to turn off a push button car, or

restart one. watch. >> the engine just stopped. i lost power steering. it says select neutral when starting. i put it in neutral. push start stop. and keep going. gerri: here is something else that is important. not all push button cars operate the same way. some require you to push the button twice in two seconds to turn it off. others require you to hold the button in for two seconds. you have to check your owner's manuel. >> the important thing whether it has a key, whether it has a push button start, stay relaxed and keep your eyes up as much as possible. gerri: if you think your car is running away from you because the accelerator gets stuck or the floor mats get tangled or something goes wrong with the engine, you should first try to put it into neutral and calmly pull it over. runaway car into neutral reserves power steering and power brakes. simple solutions to a very tough problem. ari says you should practice restarting your car in empty

parking lot or some other place where you're not likely to get hit by another vehicle. we want to know what you think. here is our question tonight. are drivers equipped to handle a car in an emergency? log on to gerriwillis.com and vote. i will share the results at the end of tonight's show. we have some breaking news tonight. general motors, the company we've been talking about, telling all its north american dealers to stop selling the 2013-2014 chevrolet cruz sedans. that is chevrolet cruz sedans. this is due to an airbag issue. the chevy cruze is one of the company's best-selling cars. gm sell telling all north american dealers to stop setting that is, 2013 and 2014 chevy cruze. this is the none a official recall. that is what we're told. dealers are being instructed not to deliver cars to customers. gm says it doesn't know yet if there have been any crashes, injuries or debts related to latest problems. you can be sure we'll give you

latest details as we get them. gm has already issued had 4 recalls this year -- 44 recalls this year covering 20 million vehicles worldwide. we have a lot more to come this hour including your voice. during the show, let us know what you think of the topics tonight. facebook me, tweet me @gerriwillisfbn or send me an email at gerriwillis.com. at the bottom of the hour we'll share all those comments. listen to this, whole foods reputation is getting bruised. the pricey grocery store is busted, busted for overcharging customers. we'll tell you how they did it next. ♪.

gerri: you know the upscale grocery chain whole paycheck, i mean, whole feeds. they're in trouble for allegedly overcharging consumers. this is part of a settlement after investigators in california spent a year looking into their pricing inaccuracies, that is what they called them. here to discuss is personal finance expert vera gibbons. welcome back to the show. >> thank you. gerri: tell me in detail how they ripped off customers.

>> any number of ways. they allegedly didn't deduct weight of containers at self-serve sections like salad bar you frequent. gerri: olives. >> olives are very good. that was a problem. they're putting smaller amounts in packages than on the label in terms of weight. they were charging customers by the piece rather than by the pound as far as deli meats and kabobs go which is against state law. they were violating consumer protection laws which has come to bite them. >> i was in a whole foods in north carolina a couple weeks ago and they were selling stakes by the piece. >> that's a problem. gerri: not by the pound. i don't know if that is california law that makes it illegal and not the law in north carolina, let me tell you, i thought myself i was witness to some of these practices. >> that is amazing. you seen it first-hand. i never realize i go to the salad whole time i never realized they deduct weight of container. that is my 10, 12, 15-dollars salad was normal. gerri: that is a problem there. >> i like a lot of salad.

gerri: do you think this goes on in other places. i told the story in north carolina but did. >> it is happening elsewhere. we hear stories over and over again of grocery stores scanning wrong amounts for example or not honoring loyalty cards and getting mixed up and consumers revolt. there are repeat offenders as far as price issues. i think in this case whole foods will learn the lesson. they're up against the hefty financial fine. $800,000 fine. gerri: that is not hefty. >> that is pretty bad. hundred thousand dollars. gerri: hundred of millions of dollars this company has in revenues. >> they were right with the prices 98% of the time. this investigation -- no, no, we want 100%. >> we want 100%. ultimately we want 100%. $800,000 plus other stuff they have to do. do audits regularly. have an employee assigned to make sure prices are accurate every single store in the state of california.

i'm on conconsumer side. it was human error. it was not intentionally they vied tried to deceit. gerri: now out how do you know that? >> i don't know for sure. gerri: they have a squeakier than clean image. ceo doesn't take a salary. what does tell you about the inside of the company? >> it comes at a bad time when the company had awful lot of problems with their stock price. it is down 20% over past couple years when it peaked a couple years ago. they have had issues. the biggest issue they underestimated competition. they have all this competition nipping at their heels. they have specialty retailers. trader joe's which is big one and less expensive stuff and very good. private label at trader joe's, awesome. gerri: very have, thank you for that. >> thanks, gerri. gerri: still to come on the show, user's guide to summer vacation. how to find a bargain deal for a luxury cruise. supreme court delivers a crushing blow to little aereo. what does it mean to the company and its customers? the answers coming up.

♪.

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their reasoning, describing aereo as essentially a cable network? >> i wasn't surprised. they essentially came down as i expected. you found me in montreal here. but i am here. the answer is yes. i was not surprised this is a major win for the networks. the bottom line that the supreme court said that following congressional intent from the 1976 amendment then, this is a violation of copyright laws. therefore aereo will no longer be able to to do what it is doing. actually what i had predicted and a 6-3 decision was a bit of a surprise but it did go the waive we thought. gerri: jeff, you look at this kind of stuff all the time and it occurs to me that the major broadcasters are putting their signals out over the air anytime anyway, so why penalize aereo? >> i think it's a terrible decision and i think this decision will stunt innovation in television for some years. they're penalizing them, i would say because they didn't appreciate what aereo did which is rent consumer equipment, so

they can have their own antenna and recordtv for themselves. i don't get it frankly. gerri: so you think it is a lose-lose for consumers out there. i want to show you some video. i'm an aereo subscriber. i use it all the time. i put it up on my ipad before we came to air. here is a little tour watching fox show, dr. oz. you way you set the thing up. you can record and watch shows live on your it pad. really handy thing. i was surprised, richard, because the comments coming out of aereo today, not talking about what consumers should do, if they should take this down, if they take it down, what happens to us, to the people that subscribe to the service. >> i agree with jeff to some extent. i don't necessarily agree it's a terrible decision but i do agree it stunts growth. what happens to us we'll have to use major networks and pay exorbitant amount of money a month. i do agree with that. on the other hand there are institutions, for example the nfl which we talked about the

last time, 34 or 35 popular shows in the fall were nfl shows. it would be a massive destruction of certain institutions including nfl if this decision went the other way. what happens to us essentially we will know, we will soon know. it does stunt growth though, jeff is absolutely right about that. gerri: back to my question, what about consumers? let me tell you, you pay, you give them a credit card number. they have it, and they you know, charge you by the month. and they have got all that information and we have no information tonight about what the future plans are for aereo and what comes next, other than vague statements about, we're coming back. we're going to do something. jeff, i think they're not doing customers, consumers a favor at all here by keeping us in the dark. >> i think they could be a bit more transparent. it's a blow to them but they should be clear. they have our sub skier information. they have our credit cards. what will they give us instead? i feel for aereo. i think it's a good company and good service but i think some

transparency about what is next would would be good. >> although they do need time. they do need time, gerri. this just happened today. gerri: you can afford to be patient but i'm not so patient because we've known about the supreme court date for literally months. so -- >> very fair comment. gerri: seems they should have had some kind of gameplan to tell consumers. that is how you deal with people. if you have customers paying for your service, you want to keep them in the loop, keep them on board. here is what they said was next for the company. this is according to the ceo. today's decision is a massive setback for the american consumer. we're disappointed in the outcome but our work is not done. we will continue to fight for consumers and fight to create innovative technologies. and jeff, that goes to your point. this company is really trying to do something super creative and end-run around traditional media. what would they have room to do here? what would they do next, given the supreme court decision? >> well i mean i think your other guest is right. they're out of options. there is not much they can do. they can try to reach a deal

with the networks. i don't think the networks want any part of them. i don't think the sky will fall if the nfl or anyone else if they allowed this i think it will nudge the networks to innovate and bundling tv in rational way consumers want it. aereo might talk a big game and do something else but i think they're out of options. gerri: i mentioned barry diller at the top of the interview. he is the fellow who really gave this company financial legs. i wouldn't count him out yet. he may yet have a plan up his sleeve. he had to be sure that there would be challenges to this business model. richard and jeff, thanks for coming on. great to see you guys. >> thank you so much, gerri. bye-bye. gerri: coming up, tiger woods, he is coming back, to the quicken loans national. that's tomorrow. ceo of america's largest online lender shares his expectations for the event. it is our users guide to summer vacation. next how to pay a low amount to have a big-time on the high seas.

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. gerri: it is the return of tiger woods, the world's best known golfer hitting the links this weekend in competition. it's tiger's first pga event since march, and bill emerson from quicken loans joins us from washington, d.c. quicken loans is the sponsor of this week's tour. great to have you back on the show. thanks for coming in. are you excited about this week's action? >> absolutely gerri, great to be back. clearly excited about this weekend. glad tiger is back, great for golf, certainly it's great for us sponsoring the quicken loans national this week. gerri: that was my question, you managed to snag him for his

first event back, a big boost in your arm. what does it mean in your marketing efforts to have the first event that tiger comes back to? >> we clearly think that viewership will be up. tiger, as you indicated, tiger is the most recognizable name in golf for 15 years. one of the top players on tour. he was out for a long time. coming back people will be interested. it's his tournament, making it back for his tournament and the ability not only for the tournament to be played but what it does for the military vets. it's a really big deal this weekend and we think people are interested to see how he plays. gerri: tell us what it does for military vets, please? >> the tiger woods foundation is very involved with vets and anything to do with vets. as a matter of fact, there was a group out there today of veterans coming back from overseas and being involved in engagements, and just work that they do to help fund through the pga and the event, they are certainly donating money and

helping out veteran causes. >> great stuff. i'll be watching that's for sure, i love golf. that's going to be a terrific event at congressional. i have to ask you about the mortgage business. we've had revisions and expectations for what's going on with the mortgage business. mortgage banker's association lowered outlooks of home sales and also the amount of mortgages produced, they're lowering expectations to 595 billion. that's how much they say mortgage underwriting will be this year. do you think the mortgage bankers has the number right? >> hard to predict what the future is going to be in anything that you do. hard to know whether the mba numbers are accurate. but clearly we've seen in the industry, we've seen demand down, fortunately for our business, we've seen demand up, so that's worked in our fair. when you think about regulation, when you think about access to credit. when you think about, basically a shrinking market at this

point. economically, things are not great and so until people feel good about the economy and jobs, it's going to be difficult to spend a lot of money buying a home. there's a lot of factors at play as to what's going on in the marketplace right now. gerri: we got really bad news about the economy. revisions to gdp that look disturbing, frankly, negative gdp. is that going to continue. given what you're saying, sounds like your outlook is not positive. >> listen, the economy is doing okay, it's not doing great. obviously the revision down for the quarter is not good news, but you know, you just haven't seen the robust growth that everybody wants to see to put first-time home buyers and folks who want to get back in the game to make them feel good about where wages are and expenditure, and making it more difficult for people to qualify and put variables together that will cause that market to

shrink a little bit. gerri: bill, we support housing, and hope there's a true rebound soon. are you going to be on hand at congressional? >> absolutely. we've got a contest going on, the hole in one sweepstakes. gerri: nice. >> if a pro knocks in an ace on number 10, we're giving away a million bucks. looking forward to do that for somebody and a deserving person at the golf course. gerri: bill, you got to bring them on. if you have somebody knock a hole in one, i want to meet them. thanks for coming on. have a great weekend. >> thank you, appreciate it. gerri: well, if you can get past blackouts, the norovirus, the shipwreck and the drownings, you can get a great deal on a cruise this year. carolyn spencer brown, editor in chief of cruise critic.com, great to have you here. the cruise industry overbuilt for a long time. had to cut prices, is it a

great deal right now? >> well, right now, gerri, is the actual best, the two best value seasons of the year are right about right now. first of all talking about the caribbean and summer is a great place if you want to change from cape cod or the jersey shore or ocean city, maryland, caribbean is a good value in the summertime. and also remember it's hurricane season and so prices drop a little bit for hurricane season. this is all normal stuff. gerri: is there an ick factor that people aren't going cruises because of what's happened? >> no. in fact what we're seeing in terms of deals, for alaska, not a lot left in alaska. if you hope to go alaska this summer, you might get a spot deal, you might ante up, the caribbean is fluid. i hardly recommend bermuda, canada, new england, great trips for first-timer, great trips because they are not far from home. gerri: you can get deals for 50

to 100 bucks a day, that's excluding booze and other amenities. that's a deal. >> motel 6 is more expensive. you get food, meals, cabin service twice a day. have you broadway show kind of entertainment. you have zip lines, bowling alleys, it's a fantastic value, swimming pools. beaches that are created on top of sun decks. so much that is included. yes, you can spend a fortune on extras if you choose to, but you don't have to choose to. gerri: how do i get the best bargain? >> best way to get bargains is sign up for bargains mailers, cruise critic has one that's complimentary, free. gerri: free? >> absolutely free. travel agencies have them, hone in on what you're looking for. the one piece of advice is the worst thing you can do is buy a cruise or vacation on price alone. do your homework, make sure you

are finding a cruise line that matches travel style. a region that you cruise, itinerary that has stuff that interests you. if you're not into beaches, stay away from the western caribbean and go to canada and new england. talk to other people, go to online and go to a travel agent and help them find you a great deal. gerri: 50 to 100 bucks, that does not include tips. any other ideas for saving money. >> sometimes does. one of the things we talk about at cruise critic is value more than deals. you got to look at what they're including in the package, sometimes tips are included. airfare is included, doing research, making sure you self-qualify what you think you're interested in and go somebody who has their finger on the pulse of where the deals and the values are, i should stop using the word deal, i don't encourage anybody to buy based on price. look at what you want and shop around as hard as you can.

gerri: thank you. >> you're welcome. gerri: good stuff. all right, going on a cruise, have you done it? a great reason to travel, but many americans are putting off for the fun for trips they feel obliged to take. we're calling it obliications. you may not even want to take so much. so which trips are the most expensive oblications, from hot wire.com. number five wedding and baby showers, americans spend 7 billion dollars on accommodations, travel, gas, you name it, to go to a three hour party and play games. number four reunions, whether the family and high school, it can be awkward and expensive. americans spent a total of 11 million dollars to reminisce. number three, thanksgiving, with the heavy traffic and the danger of being placed at the kid's table you feel obligated

to travel for turkey day, 4 billion dollars is spent on thanksgiving. that is one of my holidays. number two, a wedding that you are not too excited about going to, 20 billion dollars was spent on the trips to see family and friends. the number one oblication trip, birthdays, americans spend 32 billion dollars a year. that's 137 per person per year. that's a lot of money. up, in not an easy conversation, we answer the question how to bring up the topic of end of life care and discuss what preferences your family may have? here's your consumer gauge with the numbers that matter to you. the s&p is up 6% for the year. we'll be right back.

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. gerri: probably one of the most important conversations you can have with family, not an easy one to have eeshg, end of life care, case in point with the late tv icon and radio personality casey kasem and the legal battle over his kids and wife. i think the casey kasem story really kind of showed all the things that can go wrong if you don't have this conversation. comment a little on that case, and there's a lot of headlines about that family but not really all this uncommon. >> you are absolutely right. the issue of having a conversation with our loved ones when there's not a crisis is really the lesson learned here for everybody to understand what is important to us, and what kind of care we want at the end of our lives,

and have that discussion with all the siblings and in this case, the wife, the second wife, and really understand how that should play out around the kitchen table, way before there is a crisis. and as a case in point -- gerri: yes, it is a case in point. i was going to say, the stakes couldn't be clearer when you look at the details of the case, it sets the stepmother against the kids. at one point, i don't want to say abducted casey kasem, that's sort of what happened, and it became contentious and made absolutely everything else worse. what are the lessons you draw from that case? >> well, when people are in the height of a crisis, you know, cooler heads cannot prevail. so what we at the conversation project urge is to have these conversations around the kitchen table early and often before anybody is critically ill, and have the conversation

on regular intervals, because what we want -- what we think we want for care at the end of our lives in our 30s changes over time, and so we have to sort of practice having these conversations. so it's very important to bring all the siblings together and all the family members and this is the one area that we should all have control over what we want at the end of our lives. >> i think everybody would agree with you on that topic, and baby boomers turning 65 at the rate of 10,000 per day, something we really have to think about. you've got a great idea, an opening gambut, if you're trying to talk to parents about this issue. how do you open the conversation? >> well, we encourage people to always allow parents to be our parents. they always want to be the mom or the dad in the conversation,

so we really urge people to say to them, you know, i really have this issue that's important to me, and i'm hoping that you can help me with this, and help me understand this. what's important to you at the end of your life so that i can honor yourwishes, and i can have that burden of not knowing what you want lifted from me. in the converse, when we talk to our adult children, we say we are really giving you a gift of you knowing what's important to us at the end of our lives so you don't have to have a burden of ever questioning or wondering what's important to my case, myself or my husband, and that there's never a question so that they will feel like they can honor what's important to us, and then they're never questioning their decisions in the event they have to make decisions on our behalf. because we know when people

don't know what a loved one wants that there's lingering guilt and often depression. so having the conversation is very healthy for people. gerri: couldn't agree more, harriet, thank you for coming on. >> my pleasure. thank you for having us. gerri: and now we want to hear from you. here's what some of you are tweeting me about our poll question, are drivers equipped to handle a car in an emergency situation. rick tweets this, that is one thing not covered in driving courses what to do to avoid a serious accident. drivers ed failure, i'm prepared for most driving situations, sounds like my husband. jason posting on facebook page, most people are not required to handle a car let alone in an emergency situation. gilbert posts my fear is, this as we have cars more and more controlled by computer chips, people will lose their ability to react properly when the system goes dead. i think that's a great point. e-mails on yesterday's poll question, are the clintons out

of touch with america? elizabeth from georgia writes the clintons are so out of touch with the american people it is ridiculous. they are self-serving people who only lust for power and wealth, while the taxpayers are struggling to work to provide their basic needs. stinging criticism. and dave from new york says most politicians are out of touch with their constituents. if you ask them how much a loaf of bread or gallon of gas costs, 75% would have no clue. we love hearing from you. send me an e-mail, go to gerriwillis.com. remember the young invincibles with obamacare? they're not invincible at all. stay with us. [ male announcer ] if you're taking multiple medications,

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. gerri: remember obamacare? well, one of the main goals much the program was to sign up as many young healthy adults as possible. they were supposed to be obamacare's saving grace and keep costs down for everybody else. the new survey is showing the group may not be as invincible as the administration thought. here to explain is a doctor, great to have you back, this blew me away, these are not republican talking point, doesn't come from the gop. this comes from kaiser and blue cross blue shield. kaiser say on 20% of enrollies describe themselves as status as poor, should we be shocked?

>> when have you kaiser and blue cross blue shield of north carolina, which is an extremely proactive insurance carrier, that is trying to understand what the risk pool looks like, because they're so limited in the amount of information they have, and it's important obviously in terms of what their premiums are going to be but also important because they might have the opportunity to go back and ask the government for more money in order to cover the losses. gerri: i was so afraid you were going to say that, and here's what blue cross blue shield is saying about the folks, self-reported diseases like diabetes, depression, asthma, on and on it goes, these patients cost six times more than enrollies. at the end of the day, they are going to knock on the door in washington and say hey, we need more dough. >> they set up the risk corridors, if they end up having to take on more people

who are sick or taking on more risk in this case, they're going to be backed up by this extra money set aside from a pool that some insurance companies have had to contribute to but the government doesn't necessarily have that right now. but this whole issue of adverse selection, which is what it's called, when you get the unintended consequences of people ending up in certain plans, is almost a predictable event, in terms of what we think is going to happen here. so what the market is going to see between now and 2015, and we're already seeing hints of that is premiums are going up. rates are going up in many of the marketplaces. gerri: you are absolutely right about this. let me get to the absolute outrage in the story. we were promised, promised, if we could sell young people on the obamacare health care plan, we would bring down costs of the entire program! that's not going to happen. >> well, it's interesting you say, that because you saw the

big campaign and the big pep rally around the numbers that came in around enrollment, to say that we now have all of the young people signing up. when we start to look at the risk pool of the young people that signed up, which is what's now coming out, it's really going to tell the story in terms of how much it's going to cost, and whether, in fact the number of enrollees covered the costs in terms of leveling out the risk. all of the attention -- gerri: this is just, the promise has not lived up. >> that's right. gerri: reality has not lived up to the promise over and over again. >> all of the attention has always been focused on the magic number, we need to get certain number of enrollees. in that's the wrong number. the right number is what's coming out now of what the people are going to cost. gerri: we are running out of time. thanks for coming on. >> great to see you as well. gerri: we'll be right back.

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. gerri: as if you needed more proof that the federal government is out of touch with the very people it's claiming to help. blunder coms from the federal student aid agency. a tweet featured kristen wiig in a scene from bridesmaids where she says help me, i'm poor. the government's tweet read if this is you, you better fill out the form. people got so mad about this, quickly sparked outrage across the internet and resulted in the agency deleting the offensive tweet and issued an apology saying we apologize for the insensitivity of our previous tweet. we are very sorry, unfortunately, the reality for most young people is that they

are poor and the last thing they want is lender reminding them they are poor. maybe they should bring down tuition rather than tweeting. that's for sure. that's it for tonight's "the willis report." have a great evening. charles payne is next. . charles: tonight on "making money" forget government solutions, the private sector is superman and ready to save the day. business has a much better pulse on main street than washington. congress is ready to grow not just with words but big spending. the oldest members of congress use the oldest dirtiest tricks to stay there. last night's win are losses in my book right now. the usual suspects headed to loop taxpayer money. picture this, a fake city to test driverless cars, i know it sounds cool. but as a national policy to move the economy is always a disaster. meet the