next. gm of course was big in the news today. we had ken feinberg's announcement revealing long-awaited compensation. they also had to halt trading during the day. gerri, you have two lawyers representing the crash victims and their families. be interesting to see if they accept what feinberg offers. gerri: that's right, dave and liz, thanks for that. the question is will victims take the settlement? two lawyers as you said representing crash victims and families. we also have ralph nader. also coming up on today's show, obamacare beaten back once again. this time by the supreme court. we'll take a look what today's religious freedom exemption means. also president obama nominates the former head of proctor & gamble to run the va. can the private sector fix this broken institution. the july 4th holiday is deadly heft times of year for bets. important information how to keep those family members safe. "the willis report," where consumers are our business starts right now.

gerri: tonight we begin with the gm recall. the story gets bigger and bigger. we received word general motors is recalling 8.4 million more cars. gm has recalled over 28 million cars so far this year. that is more than every other carmaker recalled last year, all of last year. and settlement announced today is shaping up to be the biggest in u.s. history. some of the recalled cars today were involved in fatal crashes. we'll have more on that with consumer advocate ralph nader. first we have details of the gm ignition switch compensation fund. >> the following individual can file under this program. the driver. any passengers in the automobile. any pedestrian. any occupant of a second vehicle involved in the accident. all eligible to file a claim.

gerri: that was ken feinberg. he is the fund's administrator. if his name sound familiar it is because he handled the compensation fund for september 11th victims at the world trade center. also victims of the bp oil spill and survivors of the boston bombing. here with more, here is more of what feinberg had to say. >> any contributor to negligence of the -- contributory negligence of the driver, intoxication, speeding, texting on a cell phone, et cetera, irrelevant under this program. irrelevant. contributory, this program is about general motors and ignition switches. we have no interest in evaluating any alleged contributory negligence on the part of the driver. it is totally irrelevant. we have no interest. gerri: so fascinating press conference there.

joining us tonight to help explain it all, two attorneys, bob hilliard in chicago and robin greenwald right here in new york. they both represent the families of people who were killed or injured while driving some of these defect tiff gm cars. i'm going to start with bob. we've had you on many times. you talked about your clients. you talked about gm pretty much at length. my question for you tonight is, will you recommend that your clients take the deal that feinberg is discussing? >> good afternoon, gerri. we don't know what the deal is yet. i will recommend that they participate in the plan because there is no downside. at the end of the day, ken feinberg will make an award f that award is unreasonable or not fair, then they can walk away at that point. there is no such thing as too much information and while we put them in the plan we can still pursue their litigation. and once the award is made, again, we'll sit down and advise

each client based on that client's specific fact situation because there are some attractive components to it as mr. feinberg set out. lack of contributory negligence as a defense. no bankruptcy as a defense. so we're really be a case-by-case, client by client evaluation, after the award is made. gerri: all right. i want to bring in robin who is also an attorney, representing victims in this cash. crash. robin, to cap as we were saying no cap on awards that could be made. gm says we're not even putting a price tag on this fund because we don't know what it is going to be. also if you sued and had a settlement let's say, you had a settlement with gm you can also come back to the table here. will you recommend, robin, your clients take this deal? >> it will depend. there is some good aspects to the fund as i think people have been talking about. there's, it is an uncapped fund.

there is no requirement that someone, that there be a certain percentage of people participating in the fund. a claimant can go into the find out, what kind of claim he or she receives and decides whether to take it or not. there is no requirement once you're in the fund to accept what you get. there are certain structural aspects of the fund that are positive but there are some pretty substantial deficiencies in the fund. so it would really depend on the individual. for example, some people who were seriously injured by these cars are not even eligible to participate in the fund. gerri: how so. wait, wait. how so? >> well, for example, someone who is injured and sent home, reality of life, you go to the hospital, to the emergency room. you're not, you're not catastrophically injured. i haven't broken 10 bones or you're not gushing blood. so they send you home. it is reality of our health care system. so they go home. three, four, five days later they're unable to lift their arm over their head.

they can barely stand up. their backs are really bad. they have very serious injuries but they're not immediately understood. then they have to find a health care system that takes them and figures out what is wrong with them. they're out of this fund because -- >> bring up a very good point, which is, that a lot of people may not qualify because of what happened in the wake of their accident. maybe they weren't hospitalized. but maybe there is not a great paper trail. maybe the accident happened some time ago. bob to you, is this, maybe not your clients but will this happen to a lot of americans who think maybe they're eligible for this but they simply can't prove it? >> well the benefit of the doubt has to go to the victim because quite frankly the cover-up was successful. most of the evidence is gone. cars have gone to junkyards. police reports are only available for a certain amount of years. and if you're thinking about it, let's say that you had, your whole family killed in an accident where cobalt crossed a center lane and hit your family's car eight years ago.

those victims are likely never going to be found, gerri, and they will never come forward. regardless of the number that participates in the fund or litigation, gm will get away with many, many injuries and deaths they will never have to address financially through a compensation program. gerri: they said a lot of these cases nobody really knows whether the defects of a gm car were responsible. i want to move on, this is a fairly grisly conversation, i warn our viewers about amounts of money talked about here. the kinds of things that will be calculated when feinberg sits down with the materials for any victim. the age of the victim, their salary, their earning potential. we're talking aboutwards that could be $20,000 to millions and millions of dollars. as much as you you've been able to see so far, robin, of what feinberg is talking about, does this sound usual and routine? is this the way this kind of thing is typically handled?

>> i don't know there is a typical. what happened in this gm situation is typical of absolutely nothing. we had another eight million cars recalled today for an ignition switch problem. i would guess say there is nothing typical about this case. one of the biggest deficiencies of this fund right now it only covers a first recall, which was 2.6 million cars. and now, with today's recall of almost eight million and one of about two weeks ago, you have so many vehicles that aren't even covered in this fund which is unfortunate. gerri: wait a minute. bob, to you, maybe it is not, maybe it is not typical but you have seen feinberg in action many times. >> yes, we have. gerri: in these kind of cases, bob to you, were there any surprises for you today or did you see everything you expected? >> everything i expected and i also read there are many clauses in there that gives the ken feinberg the independent right in his sole judgment to determine extraordinary circumstances. this fund will either succeed or

fail based on that independence and the independence has to lean in favor of the victim. it has to be construed simply because of amount of time it has passed. there is no other way to construe it. if you're using fund to prevent recoveries, and i don't think that is ken feinberg's intent, then the fund will not be successful and there will be a lot of criticism of the fund. but for my clients i take a look at any settlement offer that is ever made and i evaluate each settlement offer based on the facts of my client's case. that is basically what this is. gerri: i want, robin, did you have a quick comment to make? >> i would agree. one of the positives i started out with, claimants can go into this fund and negotiate with the claims administrator and potentially get an excellent settlement. that is available to them. if they don't like their offer they don't have to take it which is a positive of this fund.

there is no question about it. there is nothing binding. gerri: we've got a long way to go on this one. this could take years to play out. robin, bob, thanks for coming on. appreciate your time. >> thank you. >> good see, gerri. gerri: good to see you. we have more people on gm. consumer advocate ralph nader became a household name in the 1960s, when he wrote a book, unsafe at any speed. the book about a best-selling chevy corvair, that had steering problems. sound familiar? ralph joins us from washington, d.c. thanks for being with us. you started this whole car safety movement about 49 years ago. what are your reflexes tonight. is history repeating itself? >> well history is repeating itself in terms of selling defective vehicles and note telling for years the customers about the defects which have resulted in deaths and injuries but the, i think the public's expectation level of the way a

auto company should behave is much higher reflected today in what ken feinberg put out. you would not have seen this proposal put out years ago. having said that though, ken feinberg, recognizes it will be very difficult to try to reconstruct crashes from eight 10 years ago, six years ago, when they don't even have the vehicle. so he has discretionary burden. i mean he says, first of all, that you have to show you're part of recall with the ignition switch. you have the right model car, cobalt, saturn. you have to show that the airbags didn't deploy. that could be pre difficult if there is no longer any evidence that is viable and a car is somewhere in the scrap heap. that will then say to kenneth feinberg, you have to use your best judgment and your discretion. he is given that kind of discretion. let's remember, there are millions of other gm vehicles with defects before and after

the bankruptcy that are excluded from the feinberg category. so the feinberg category just deals with the ignition switch but gm got away with a lot of major claims against it with that caping ga rao court bankruptcy back a few years ago -- kangaroo. gerri: they're saying tonight that the bankruptcy is not an issue here. whether you're prebankruptcy or pro-bankruptcy you can make a claim. that is not issue. >> that is just with the ignition switch you're right. gerri: right. >> and there are other cars -- gerri: that is certainly what we're talking about here. >> but remember -- gerri: is the ignition switch problem. >> but mary barra said our company has a civic duty to, compassionate duty for all victims much our defect cars. she didn't restrict it. this is restricted just to the ignition switch and there are families who were blotted out of their right to have their day in court by this bankruptcy court. >> i want to show viewers here, we have the ignition switch on set with us. this is from one of the small cars that had problems and

here's the key right here. and put my hand in it. this is the problem switch right here. you can knock it with your knee, heavy key chain, anything can move it and this would disable the automatic steering, power brakes, power steering and your airbags. ralph, to you, as we look at biggest auto settlements ever, toyota, 1.2 billion, hyundai and key yaw, 395 million, the list goes on and on, gm is likely going to have settlement here that will be far in excess of even the biggest ever settlement of toyota at $1.2 billion. >> well between the fines, let's remember, there is justice department criminal investigation out of new york city into the whole gm scandal. between the criminal fines and the settlements and the verdicts and the costs to gm this is at least going to be a 10 billion-dollar burden. some of it will be deductible. but, the nice thing -- gerri: that is something i want to talk to you b and you're

assuming that the criminal proceedings will be successful and go forward. the company saying say they will take a 1.2 billion charge to earnings to cover some of these costs. is that right? we paid to bail out this company and now taxpayer dollars going to make them whole when for 10 years they sit around and don't take action on a problem with a car that they know well is occurring? >> good point there is bill in congress to prohibit companies from being able to deduct what in effect are fines on their income tax but the tax lawyers will use every loophole possible or every possibility under the tax laws to do what you are just referring to. but at the very least, in the feinberg plan, not only can claimants opt out and decide they want to go to court on their own and have a trial by jury, but, and this is the key, that feinberg is able to apply a presumption that if there is a record of stalling on a vehicle, the claim is valid. that they don't have to prove that the airbag did not, did not

deploy from something 10 years ago where the car disappeared, on a scrap heap and can't prove it. >> you're saying if it had a record of stalling. >> that's right. >> there could be a finding. >> just stalling should require a recall. you shouldn't require stalling and the disables of the airbag because you can get into a terrible crash just by stalling, right? gerri: i think that is what we showed, absolutely. you know that for some time gm didn't consider a stall a problem. >> that's right t was considered inconvenience. gerri: we were supposed to able to pull the car off to the side of the rhode spite the fact we had no power steering. >> the important thing this may lead to stronger auto safety regulation to protect motorists on the road. gerri: does that do any good if companies themselves don't have the corporate culture or stomach to take care of find them as they find them? i don't care what the law says, if the companies can not do the right thing inside their own walls how will it help? >> it is an easy way.

i proposed it to general motors. mary barra appoints a independent ombudsman that so that engineers can report defect from the ombudsman and ombudsman has direct line to her and ceo's office under total confidentiality so they can't be retaliated against. the key is protect the conscientious engineer. gerri: we have to go, ralph. thank you for being on. >> you're welcome. gerri: stay tuned to fox business, our very own nearly cavuto interviews the ken feinberg, the guy we've been talking about at 8:00 p.m. eastern tonight. a lot more to come this hour. your voice is important to us. during the sew we want you to facebook my or tweet me @gerriwillisfbn. or gerriwillis.com. at the bottom of the hour i will read your emails. obamacare suffers a setback from the supreme court. we'll investigate what today's

religious ruling means. the white house turns to the private sector to help the va we'll tell you about that. when folks think about what they get from alaska, they think salmon and energy. but the energy bp produces up here 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.

gerri: stream court handing down a big victory for hobby lobby and dealing a blow to obamacare

in a 5-4 ruling. justices determined some companies can opt out of obamacare's contraceptive care mandate if they have religious objections. doug, welcome back to the show. this is a company, small company, closely held. the owners have very serious religious convictions. they did not want to sponsor their employees buying contraception and they won. how important is this legal victory? >> i think it is very important victory. certainly important politically. you and i both know how many battles have been fought over the style of legislation that is obamacare. heavy on mandates, heavy on telling people how to live their lives. it is an important legal victory. it is certainly important to hobby lobby. it is not a sweeping victory however. it is limited on the corporate side to closely-held corporations. there are a fair number of them but they don't cover a lot of employees or production in the u.s. it is limited on the health

care side to small bun. of morning after contraceptives and it is not a sweeping indictment of the mandate in the law as a whole. so it has been tailored to hit very narrowly, never important victory for the plaintiffs and certainly important victory politically. gerri: a black eye somewhat for obamacare. >> sure. gerri: here is what justice samuel alito said in the case. the companies are closely held corporations and each controlled by members after single family and no one disputed sincerity of their religious beliefs. if the owners comply with the mandate they belief they will be facilitating abortions f they do not comply they will pay a very heavy price, $1.3 million per day or $475 million per year. doesn't this just bring into sharp relief the kinds of unexpected issues that would crop up with a passage of obamacare? the idea that the law was just not thought out? >> it was both not well-thought

out but in some case there is was warning in advance. hobby lobby was not shy about saying we think this is a bad idea. we're going to sue if you do this, please tailor this in a way it doesn't capture us and allows to us exercise our beliefs. the administration ignored that. and now they have taken all this in court and lost yet again. there is black eye here, not just on unintended consequences but things done deliberately. that from the process of developing legislation, the process doing reform to the united states, there is major lesson there. listen to stakeholders as you draft the law. gerri: wow, that is astonishing idea, doug. democracy. thank you so much for coming on. we're short on time, doug, thanks. >> thank you, gerri. gerri: we want to know what you think. here is our question tonight. should the government force private companies to pay for workers contraception? log on to gerriwillis.com, vote on the right-hand side of the screen and i will share results at end of tonight's show. coming next, can the former head of proctor & gamble save

the va? plus what should he do on day one? also, banks are offering credit cards to riskier borrowers. what will that mean for us, for the rest of us, will we have to pay higher interest rates. stay with us. many of my patients still clean their dentures with toothpaste. but they have to use special care in keeping the denture clean. dentures are very different to real teeth. they're about 10 times softer and may have surface pores where bacteria can multiply. polident is designed to clean dentures daily. its unique micro-clean formula kills 99.99% of odor causing bacteria

and helps dissolve stains, cleaning in a better way than brushing with toothpaste. that's why i recommend using polident. [ male announcer ] polident. cleaner, fresher, brighter every day.

gerri: tapping is tying a former to clean up v.a., robert mcdonald, former procter & gamble ceo to serve at veteran's affair secretary, buz does he he what it takes? concerned veterans for american, welcome back to the show, robert mcdonald, a big guy from corporate america, is he the

tonic that v.a. needs. >> i was surprised that president reached to corporate america, i am pleased to say that, this is not a military issue this is serving veterans issue someone at procter & gamble, a big budget of about 84 billion, that they made, 120,000 employees, he is useed to a service-related industry, he has to make sure people are satisfied with the product, with the service, and this is what we need, right now we don't need someone in with a lot of military experience that is not beneficial to running the organization. gerri: a couple points, 61-year-old, westpoint graduate, in u.s. marine corp, and procter & gamble for 33 years. the job is staggeringly difficult. and i am curious about, is whether one person is make all

of the changes needed. do you need more than just this top guy? >> absolutely, he was an army veteran graduating from westpoint, he will be able to manage this i want to find out, does he want the ability to fire the economists -- executives, if he can't he will be like secretary kin -- sinc ken he hae willing to fire those who createed this culture of corruption, and bring in new blood. they have to be willing to change, if they are not willing to change he will be another butt in the seat as we would say in military. gerri: thank you, jessy, tight on time, it has been a pleasure. >> thank you. gerri: next are interests credit

card rates about to go up? and 4th of july is a dangerous time for pets, important in foe how to protect your pet. coming up. she's still the one for you.

and cialis for daily use helps you be ready anytime the moment is right. cialis is also the only daily ed tablet approved to treat symptoms of bph, like needing to go frequently. tell your doctor about all your medical conditions and medicines, and ask if your heart is healthy enough for sex. do not take cialis if you take nitrates for chest pain, as it may cause an unsafe drop in blood pressure. do not drink alcohol in excess. side effects may include headache, upset stomach, delayed backache or muscle ache. to avoid long term injury, get medical help right away for an erection lasting more than four hours. if you have any sudden decrease or loss in hearing or vision, or any allergic reactions like rash, hives, swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop taking cialis and get medical help right away. ask your doctor about cialis for daily use and a free 30-tablet trial. ask your doctor about cialis for daily use

make sure kids learn how to swim. always watch them in and around water and properly fence all pools. simple steps saves lives. to learn some new ones visit poolsafely.gov

gerri: we'r we're seeing a greag increase in number of credit card lenders that are courting riskier barriers, here with more, credit expert gene kelly, welcome to the show. >> thank you. gerri: tell me why banks are doing this? why are they signing up the subprime borrowers? are they not getting enough of other borrowers? >> right for years they were making it so difficult but now they loosen up a little bit, a good thing people are rebuilding their credit. gerri: a lot of our viewers see

2007 all over again, worried that banks will put out too much money to those who condition afford, ern will get -- can't afford it. >> if you have a fica score of 740 or above, you will get lowest up rate out there. keep up your healthy credit, you don't have to worry about it. gerri: as you look at this, if the banks lend, money, putting out credit card offers to people with low credit scores are they going to make up for their losses by charging us more in terms of rates. >> the people with lower scores will pay higher rates, but people again with the stel ar credit, and 740 or above, you will still get the lowest rate out there. so if you have that healthy credit, make sure you look at your interest rates and you are getting the lowest one. gerri: here is some rules of thumb, highest quality borrows pay 12.9 percent, subprime are

paying 21%. what would you say, to the subprime borrows this they take the banks up on offers. >> i would say yes, they have to start some where, use new credit card in a healthy way, you will pay that cell phone bill, stick it on the new card, you will pay it anyway then pay that card as soon as that bill comes in rebuild healthy credit 92 9.>> building your credit to borrow more for things that matter in the future, do think this means that economy is expanding? >> i do. i feel like, that and again so, if we can obtain loans when we need them, that is what we need to be doing, these credit card offers coming out now for subprime, they can rebuild, they can educate themselves on healthy credit. gerri: thank you jean, words of wisdom. >> thank you.

gerri: okay. and with independence just a few days away, many americans are looking forward to celebrating with fireworks, put owners -- pet owners remember that the booms and badges, they don't like that. here to tell us how to keep your holiday stress free for pets is dr. benson. he is back. and introduce us. >> this is peter, jody and laura. they are both available for adoption. gerri: why do dogs react so much to firework. >> we know they are fireworks, but if you didn't know it is a war zone, with noise, smoke and lights,. gerri: is their hearing more sensitive. >> absolutely. gerri: i understand more dogs go

missing over 4th of july. >> they make their own bid for independence, a few factors, the news, they are scared they run away. people are at the house for a barbecue, they don't know that the dog is in the house they leave the gate open -- the dog is eating the mik microphone rit now, i was wondering what that noise was. gerri: give our pet a nibble of something? >> we see poison related claims related to food more often during the summer, onions for burger, and avocado for guacamole. for a small dog like these, onions can be deadly.

gerri: you are kidding? they are allergic to them. >> it is toxin it can be deadly. i can put them in a room with a sign on the door, don't open. gerri: what else? >> it is not nice to leave them alone if they are really scared, if you leave them in a crate they could be so panicked and break teeth or nails, stay with your dog if you know they are really scared, make our own noise, and delicious treats, during fireworks feed them the good things. it is okay to comfort our dogs, it is okay you are just reassureing them in this case. gerri: a lot of people like to take their pets with them to big events should they be on a tight leash. >> you should leave them at

home, there is too much going on, if you take them, make sure they have good i.d., and good tags and a microchip. >> i love that advice, stkraeut great stuff these two are cute, if you are thinking about adopting a dog these are your friends. gerri: up next, who is picking a better stock, high-flying highly heavy pad mutual managers or you?

i'm randy and i quit smoking with chantix. for 33 years i chose to keep smoking... ...because it was easier to smoke than it was to quit. along with support, chantix (varenicline) is proven to help people quit smoking. it's a non-nicotine pill. chantix reduced the urge for me to smoke. it actually caught me by surprise. some people had changes in behavior, thinking or mood, hostility, agitation,

depressed mood and suicidal thoughts or actions while taking or after stopping chantix. if you notice any of these, stop chantix and call your doctor right away. tell your doctor about any history of mental health problems, which could get worse while taking chantix. don't take chantix if you've had a serious allergic or skin reaction to it. if you develop these, stop chantix and see your doctor right away as some could be life threatening. tell your doctor if you have a history of heart or blood vessel problems, or if you develop new worse symptoms. get medical help right away if you have symptoms of a heart attack or stroke. use caution when driving or operating machinery. common side effects include nausea, trouble sleeping and unusual dreams. i did not know what it was like to be a non-smoker. but i do now. ask your doctor if chantix is right for you.

[ shutter clicks ] hi there! [ laughs ] i'm flo! i know! i'm going to get you your rental car. this is so ridiculous. we're going to manage your entire repair process from paperwork to pickup, okay, little tiny baby? your car is ready, and your repairs are guaranteed for as long as you own it. the progressive service center -- a real place, where we really manage your claim from start to finish. really. ♪ easy as easy can be bye! gerri: with big wave of mergeers, are stocks over values? joining me our financial panel. david nelson, todd siperman.

and jeff car ban bon, tell me ae stocks overvalued? >> i don't think so there froth in 7 stocks and sectors but look at valuations they are well within norms, we'll have that conversation every time we break through an all-time high. gerri: todd, schiller p/e makes it look like stocks are way overvalued, do you agree. do you think that market is toppy? >> it could be. in this environment the question for firms are how will they compete for instutional investors when they can't do it based on stock picking about building a successful compliance firm, you take market risk but not firm risk that means building operational compliance producinfrastructure.

gerri: that sounds confusing and complicated. what about you? do you think people should think about putting money on sidelines, a lot of people in summer do that. >> i think norm is to try to sits on sideline, stel i sell i, go away. it has not shown proof yet to do that with first quarter led by defensive positions in utiliti utilities. shocking most, but second quarter so far, we have seen cyclicals leading the way, as of pry havfriday the cyclical have outperformed that defensive position. gerri: my index funds are beating that. >> take the other side of that tried. >> all right, a perfect environment for stock pictures, correlation is low, the fed is

exiting, two bets made this year by a lot of money manager on small caps and high flyers, and other gentleman said it, the market timing t timed themselves right you on. gerri: why do we think it is getting better? >> i think that is the wrong question, i think it is difficult to win on stock picks bases it is a fool's errand, some styles go in and out. >> nonsense. >> i don't think it is nonsense. >> you could -- >> strive to be meed yokeer. mediocre. >> you control what you control. >> if i want to put up a golf teaming it i want tiger woods on my team not the average duffer. gerri: joe? >> we know what shows that fear and greed drive the market, right now a lot of fear is driven it has been over a thousand days since we had a double digit drop, volatility is you know you look at there year, you had 59 percent of call dear

-- calendar days have been positive, 41% have been down. very little so we don't hav hav- volatility not volatility trade that helped people. gerri: all right. >> you have opportunities right now it is long-term process of. gerri: always long-term, you know, i want people to be in the market, however, whatever your personal idea is, whether you want active managers or etfs, i want to talk about something that i think go -- i think is l danger right now are oil prices, do you see this as issue? >> i think geo political concerns that center around oil is a big risk, we're all focused right now there on middle east and iraq but we have other hot

spots, russia is using natural gas, and china with a lot of military hardware. >> i am concerned about retailization of energy market, you see match limited partnerships they have been registered investment company act, as markets get more volatile, people will get hurt. gerri: individual investors are now really involved in the market, if they sell-off people like me will get hurt. >> right. gerri: interesting. >> short-term volatility in oil market means, if we see oil prices gas prices higher less money this our pockets we spend less, short-term it may happy but i don't think that long-term we have 86% of our u.s. product last year was met in use alone we're getting better. with the mass limit in partisan some problem we're -- partnership some problem we're

having we don't have enough pipeline to ship that oil. we have enough but it can't be shipped. gerri: you can't get it to northeast much less overseas, david, todd, and jeff thank you. interesting conversation appreciate your time. >> thank you. gerri: some things in your house have not changed in a hundred years, but it is about to change, the new switch, coming to our home, stay with us. wra shingles affected me tremendously as a pilot.

the blisters and the pain in my scalp area and down the back of my neck was intense. it would have been virtually impossible in that confined space with the rash to move to change radio frequencies. i would just stop and literally freeze up. i mean it hurt. i couldn't even get up and drive let alone teach somebody and be responsible in an airplane. when my doctor told me that shingles came from the chickenpox virus i was very surprised. for two weeks i sat up in bed because i couldn't lay down. i had the scabs all throughout the side of my head and into the upper neck region. i didn't want to do anything except go to sleep and have the pain be over. as a pilot that meant i was grounded.

gerri: welcome back. i think i can pretty much say with confidence that light switch has been around longer than anybody watching show, with that said not much has changed, joining us with new stuff courtney cachet, a designic expert, cool stuff for under a hundred bucks, i am starting with that caught my eye, a button there you open it up. >> it has 3 different spots for plugs on the square it has 2 sides, and top and bottom. it is nice pop up design for

something that we've been trying to hide. gerri: you can if you want to, my question, if i have this, i have some of my younger friends over, are they going to put a stick in that? >> no. >> more interesting and attractive it looks like a toy. >> it does but once it is on wall it is part of wall. whole idea that is hidden product. that is one that you don't' to see, i would say a very modern home, it gives you a lot of capability, take the technology that so demanding of consumer today, combine it with a high design factor. gerri: i like, i have need for about a million of these. you like this. >> i love this one. gerri: demo this. >> the wave. done with light reflected technology, it is a beam, you wave your hand in front of it,

you interim the beam, lights go on, do it again the lights go off, it is very cool, modern, and a design opportunity, but you have cooler switches than your neighbor. gerri: and this? >> that is the whisper, it is perfect for someone who loves a conventional feel of the toggle switch or paddle switch. >> a little cube. >> a pop up bright color. gerri: black one there. >> this is the touch. just like an iphone or ipad, a jenelle touch, lights go on, i love this finish. gerri: this can be special but you have to describe it. >> so, this is an amazing

product i a touch product. you can control -- there it is. >> it mounts on the wall, we like this better, because things you can move, if you have young children, they can end up under a sofa, or our kid might make it to school by accident or damag damaged. this is cool too because you can create scenes with it for example if you like our lighting dimmer in dining room, temperature cooler, and maybe different in kitchen, you can do that. gerri: live that. >> very cool. gerri: so exciting, you brought it to us courtney thank you. >> thank you. gerri: great stuff. we have to plan some more, excursion.

>> thank you. gerri: we want to hear from you. here is what some of you are tweeting me, should government force private companys to pay for contraception. >> need to end all employer base insurance, open market, buy your own and tkphaup nonsense will el be back with my two cents more and the answer to the question of the day, stay with us. (vo) rush hour around here starts at 6:30 a.m. - on the nose. but for me, it starts with the opening bell. and the rush i get, lasts way more than an hour. (announcer) at scottrade, we share your passion for trading. that's why we've built powerful technology to alert you to your next opportunity.

because at scottrade, our passion is to power yours.

gerri: time for your voice, should government force private company to pay for workers contraception, 1% said yes, 99% said, hey, no way.

you know it ironic that gm announcing terms of what is likely to be biggest automaker settlement ever, on company that ford ceo is retiring, taking a victory lap. gm continues to struggle with corporate culture. astonishing 8 million cars are being recalled tonight, more astonishing that professional investors politely sit aside. remember you may be guaranteed the ability to start a business here but you are not guaranteed success. meni of brands have gone by the way side, gm success will depend on how fair they are with consumers, that is my 2 cents

more, charles payne coming up on the other side, stay with him. charles: tonight on "making money," the ruling heard across land, supreme court makes a decision allowing pry v private companys to make health care decisions on their own beliefs. a pair of allies are bitcoin believers. i'm starting to see the light. i'll tell you why. while we're waiting for a huge week on wall street, let's look at global risk to market, not just about the middle east, there is a lot of uneasiness in asia. the success in starket is due to the lives of the m