. >> they may take our life, but they'll never take our freedom! >> and i bet you thought that was just a great movie. great scot, the scots could be writing the sequel as we speak. i'm neil cavuto and fox on top of a potential breakup that is not ukraine, it is scotland. it is on the brink not because foreign power wants to take it out like russia might want to do with ukraine, but scotland wants to take itself out because a lot of scots have had

it with england, more with the queen, maybe her hats. peacefully but powerfully this stands to change the map of europe substantially. consider. this if scots opt out of the united kingdom, not just a case of england getting smaller but all of europe getting messier. that happens, count on this happening. the british flag has got to change. the european union has to scramble. and the euro will most certainly tumble. we will know tomorrow when scots head to the polls which is why we are up bright and early with live coverage at 5:00 a.m., what was i thinking? because this is worth getting up early for folks. it's big, bottom line it is really big, so big we are not just starting early with coverage beginning at 5:00 a.m. kicking off four hours of nonstop. wait a minute, you didn't tell me four hours! these are among a few of the

pros, political and financial on both sides of the atlantic who it all hits the fan tomorrow to. scotland right now where they're having a devil of a time figuring out which way this thing goes. amy in the middle of it all. amy, what can you tell us? >> well, neil, i can tell you it's a dead heat right now. the latest polls are showing either 48-52 with a slight tilt for the no campaign, or 49-51. so it will have a dead heat. and frankly they're also saying that between 7 and 20% of voters are undecided. it's an extraordinary situation. they changed the rules here, neil, to allow 16-year-olds to vote, which is unprecedented really. but interestingly enough the scottish nationalists thought they would get a passionate brave hearts with the younger

generation, the younger generation are in the no camp and are extremely articulate about it all, a dead heat, and i think it's hard to break it down along gender lines or anything else. passions are very high. the british government, westminster as it were has come in here at the 11th hour to promise devo max, they will ensure greater evolution to power to edinburgh if, in fact, the scottish people decide to stay with the united kingdom. but there's a lot of emotion on the english side, too. we've got a guy outside our window here with the sign saying please don't leave us, he's come from london, standing in a park and talking to people as they walk by saying we'd be lost without our scottish brethren, neil. neil: i'm wondering whether there is the sense this could disrupt all of greater europe because, you know, you would redo map lines and redo some

economic alliance and then you have the oil question. are they concerned that if right now that this goes the nationalist route, that scots do break away from her majesty that all of a sudden they're dealing with a mess? >> and they want to keep her majesty by the way. we had an interesting conversation with former nato secretary-general george robertson, neil, who is a proud scot, he has said beyond the fact he's concerned that the scots will kick out the trident nuclear deterrent from where it is baked near scotland leaving britain naked in terms of its nuclear deterrent, there is nowhere else to put the subs. he's concerned about the dearming of great britain, in the meantime, i asked him about scotland entering nato and

re-entering the european union, and he said frankly, there will be a lot of anger within for example the ranks of the european union. the other countries worried about nationalist movements saying that the flemmish in belgium, the northern movement has a lot to see. a lot of countries are not thrilled to let scotland in. scotland is effectively part of the european union as part of the united kingdom and there is concern because the scots are so pro europe, if they leave the u.k., the u.k. may decide it wants to leave the eu, there are lots of people in the conservative party which is basically the governing party that wants out of europe. that could change the dynamic, and as you mentioned, change market. neil: amazing, amy kellogg who's been all over this and will continue to be over the next 24 hours. we'll go to her repeatedly

during that time. lawmakers are split on the u.k., some of the worries. the biggest i guess would be first economic, but no shabby second are defense concerns, explain? >> both are big concern, neil. the problem is it introduces a huge amount of uncertainty, if you read some of the british papers and american papers, no one is sure it's going to turn out. will scotland lose the pound? it looks like scotland will not lose the pound. companies that are spread throughout the u.k. including scotland, companies that are based in scotland would have to move to london or change how tax and everything it introduces what businessmen are most scared about which is uncertainty. neil: you know a lot of them say this independent movement has been in our sort of global dna since 1980. almost 40 countries have joined the united nations since that

time. a lot of that had to do with the breakup of the soviet union. but the fact of the matter is this is not unusual, it seems stark now because it's happening with the united kingdom. is it overplayed or are there legitimate concerns that scotland does its own thing, goes its own way to the detriment of great britain, perhaps our most loyal ally. >> i think this is overblown, the fearmongering about scotland losing the pound. released a study recently that showed that england couldn't stop scotland from using the pound, like america couldn't stop countries from using the dollar, short of an invasion. you will see despite socialist rhetoric in scotland, they're going to be competing with ireland and london which is a financial hub. so they're going to have to be business friendly. they're not going to be able to do anything too crazy like the socialists are trying to use get out the vote.

neil: good point. and as to the point chris was mentioning about competing with ireland, they would cut corporate tax rate that is pegged to the u.k.'s north of 20% and try to do something like ireland in the vicinity of 12.5%. competing with a country that used to be the celtic tiger. this creates a soap opera-like series of events that could be messy. to fox biz all-stars on the economic impact of all of this. scott, jarrod and daggan, what do you see happening? >> too close to call in terms of the vote right now. in terms of the near-term impact on markets around the world, even here in the u.s. i don't see this as a major negative event because people know it could happen. neil: you think it will? >> i know but it's so close, have you had some market impact. it's the out of the blue, didn't see that coming event that can roil a market.

there are so many moving pieces to this. what about the nuclear weapons in britain housed in scotland. neil: and have been for 50 years. >> what happens to the oil assets? does this peculiar an extremely liberal welfare state that ends up failing for lack of a better word. britain, one of our greatest partners, does an independent scotland would it join military coalitions with the threat of vladimir putin, with the threat of isis, what does that do to the balance of power in the west? >> neil, dagen we're talking about a country running massive deficits that has trouble funding the welfare state. i disagree with one of the previous points brought up. neil they have to redo central bank, they have to redo the currency. the oil revenues were mentioned. those were down double digits last year. those aren't going great. you're looking at a tax base that they're going to raise taxes on people eventually, they have to find a way to pay

for it. we can't finance this. this is going to be disastrous economically. neil: the fact that everybody says that, very smart money people, scott, makes me think that everyone has got it wrong. we always bemoan what a breakup will be, maybe because we've seen what happened with some of the former soviet satellite countries. we remember that there have been success stories, czechoslovakia comes to mind. blueprint or whether you think this is a messy blueprint. >> the question is how independent do they really want to become? and really that's the biggest moving part. scott brought up economic impacts. there is a big banking issue and a big economic issue altogether. there is the question of scotland's credit rating if it were to break off. i don't think scotland is going to completely separate and do things completely their way.

i think this is a social thing, which i don't really understand anyway, they're already scots, they belong to the kingdom, they benefit from that. operating as the same economy as france if you add in oil assets, and i don't think it's going to be that major. the smartest play is a no vote, and use the leverage politically to -- neil: jared, jared, it better be major, i'm going to be in here at 5:00 in the morning. play along with me and let me understand what's at stake here. dagen, any surprises what you are looking at tomorrow morning. >> if they vote, if the scottish people vote for independence as you said, i think there are many people who are going to be surprised. the real surprises will play out in the months and years to come because everything that we said is maybe this, maybe that, maybe this, maybe that, only one certainty, hagus is

ghastly, and i might be the only person in the room who has eaten it. neil: you have a chance to see and hear dagen doing a southern stint on a scottish accent. the independent vote tomorrow starts bright and early 5:00 a.m. dagen and the rest of the group graciously given up these hours for the special coverage, because as dagen pointed out she knows the world is on tinder hooks. is all of the money going to africa, or history would indicate? no.

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. >> there's no time to waste if we are to contain ebola and adequately care for thousand of people epidemiologists are predicting will fall victim in the next few weeks. neil: no time to waste. now that the president authorized a lot more money up and to 3,000 troops go to west africa to deal with this, we have to wonder whether they will be adequately financially supported. tennessee republican congressman, former physician

has his doubts and history seems to bear it out. worries are what, congressman? >> any epidemic like this, neil, it's in an area of the world where they don't have basic infrastructure. in america you won't see this. for an epidemic to work, you have to have susceptible host, and a vector, to transmit it, touching, apparently it's not aerosolized. in america we don't have nearly the risk you have in africa. it is a huge risk. thousands of people have died. i agree with the cdc folks, we need to fight it and combat it now. neil: as you point out, money appropriated for certain emergencies tends to go to certain other things we found out after sandy proceed we're going to the smithsonian and nowhere near hurricane effects at the time.

on a smaller scale are we not risking the same thing? >> neil, you may be right, i hope not. resources you're looking at, the things i looked at are field hospitals. our military is the best in equipping them. the cdc are going to train people, give basic sanitation kits to families with the masks and gowns and things and educate the people how not to spread the virus. i hope you're wrong, certainly. one of the things you are absolutely right about. if you look at sandy, katrina, billions of dollars were wasted. neil: i get a sense that republicans, by and large, realize that this is not the time to go up against the president or the sentiment of the moment, that you got to just get a lot of money raised and the president is abdicating to deal with this and hope that the money is not sort of put it away. isn't that right? >> i look at it through

physician lenses. i look at a suffering people, the potential for the virus to spread around the world. that's the lenses i will look at it. not much more than the academic or money part, i look at it from the humanitarian part. how do we treat the patients and take care of them? my hats off to the aid workers in a very dangerous part of the world for them, that are doing this godly work in my opinion. neil: congressman, doctor, thank you very much. speaking of all things health related. obamacare people opted in, opted out, companies are part of it, not part of it. the understanding is the companies that weren't a part of it wouldn't feel the problems associated with it. tell it to my next guest, he's not part of obamacare, but man, oh, man, is he paying through the nose. his story you're not hearing on the network you should be watching. which you are, after this. keeping a billion customers a year flying,

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. neil: taxation without representation? well, the biggest insurance company in the country isn't part of the obamacare exchange program, but it's exchanging a lot of dollars, it's getting it with 25 million dollars in taxes to support the new law. here to explain exactly what's going on is the ceo of vsp vision, rob lynch. explain what's going on here? >> thanks, neil. you know when i was a kid, i loved the twilight zone, and when it went off the air in the 60s i hoped it would come back, it's come back in the form of affordable care act, and the fact we can't participate in the exchanges and we're being hit with a tax bill of 25

million dollars. neil: how is that? how did that happen? if you're not part of it, why are you paying through the nose for it? >> amazing, our company insures 66 million americans, one out of six americans week provide vision care to individuals, the four guys working at joe's garage, walmart, google, apple, starbucks, amazon, and by the way, we provide coverage to the federal government also. federal government employees can choose ours as well as stand alone vision plans. they were left out of exchanges because when the law was drafted, there were questions about whether or not there was administrative complexity associated with stand alone vision plans and stand alone dental plans. most of the coverage in the united states for dental and vision care, 90% of it is provided through stand alone vision carriers. dental got, in vigwas put to the side. the bill was drafted and all of the things came out after the fact.

we were left out. neil: no one telegraph to you, sorry to jump on you, hey, there is the possibility this could happen and rollout will affect you in this way? >> we knew that we were not going to be included in the draft, but we were told that that would get fixed when the bill went through reconciliation. the bill never went through reconciliation. neil: now you are the one getting around. >> two weeks ago, we were presented with a bill from the irs, the bill is a health plan participation fee that medical insurers who are eligible to participate in the affordable care act and provide coverage through the exchanges are being assessed, because they in theory are getting access to all of she's insureds that they didn't have access to before. we were sent a bill for 25 million dollars. we can't participate. we're getting taxed, we can't participate. it's as if i'm in a school district and paying taxes and

told your kids can't attend public school. neil: very good analogy. here's what i want to know, though, you're going to have to bite the bullet on this or pass along the increases to your customers or both. what are you going to do? >> well, so what we'd like to do, and we talked about this. what we'd love to do is take the 25 million and put it in charitable care programs to provide vision care for 175,000 people in the united states, or to supplement our mobile clinic program. we have three mobile clinics to provide free vision care and eyewear to people who are underserved. we could put a mobile clinic in every state for 25 million dollars. we have to pay the bill and challenge it after we pay it. it is absolutely the twilight zone for us. neil: another good analogy. picture if you will, i'm not just doing the scottish voice today. thank you very much, hope it works out. apple's new software released today.

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so ally bank really has no hidden fethat's right. accounts? it's just that i'm worried about you know "hidden things..." ok, why's that? no hidden fees, from the bank where no branches equals great rates. . neil: well, don't say we didn't warn you, non-english speaking students in new york state will get expanded bilingual classes next year. it's going to come at a cost. the kids who see their programs cut across the board to pay for all of that. lots of other states are following suit. to new york former state school superintendent on who pays the ultimate price. who does? and why is that the case?

>> well, at this point, it will be the children who pay the price and the children who aren't gelth the special services. it's going take a lot to bring children in to give them bilingual and esl. i think we have to do it. i do think -- we to to educate them otherwise they can't graduate. neil: the special services for other students, they are also the law. >> yes. neil: someone's going to get hurt here. >> well, hopefully the federal government will step in because they're the ones bringing the children in. neil: they're not yet. >> well, the local taxpayer can't do it. nobody wants to take services away from children who don't need it. if you're not special needs or bilingual children, you don't want to see the services taken away or teachers. i think it's a tough thing and i don't think it's fair to the parents or to the children, the local taxpayers.

neil: you know, i notice that the 60,000 some odd kids, young adults who are funneled out across the country. some school districts are taking in hundreds of them. >> yes. neil: that's a big bite. >> also they're not prepared for it. budgets have budget caps and no way of raising the extra money right now, and so you can't tax, and there's only a certain amount of money you have. i think it has to be looked at again. they don't have room for the children. neil: why did the government say tough luck deal? >> are you asking me? neil: i know as the former state superintendent you would see variations of this happening, the law is the law is the law, and i understand, that we can quibble with it. but i wonder about those who are here, parents are paying taxes. >> and they need services. there are speech services, children who stutter, they need the services. we have an obligation to the children, they are our children. i think you have to educate the

bilingual but you cannot take it away from the children in the schools now. neil: what about the kids coming in? many obviously don't speak english, they're going to have emotional issues, separated from parents. >> you are so right. i was thinking they need social workers and psychologists, and they have no friends unless they learn how to speak english. there will be frustration on the teachers' behalf because not all of them are going to deal with the students who don't understand them. so i think it was a good idea. i just don't think anyone thought it through enough. it will have to be adjusted. it's going to be all over this country soon. neil: we had prior incidents of people coming, cuban, in the 70s and again in the 80s. close to 60,000. it's easier said than done. >> yes, and they were put in schools just like that. from what i remember of that, we didn't have any of the

students coming in. but not to speak the language and coming from countries that have different social things, you have to teach them everything. neil: that's right. >> and they have to be able to relate to the children. neil: they largely i believe went to arkansas and florida. not nearly the numbers of today? >> i don't think people been, it so there's no preparation to get them ready and have everything in place, and there will be a lot of issues that need to be addressed. i'm hoping that some of the congress people are listening to the conversation. neil: they're listening at the white house. you know what we're dealing with. carol, thank you very much. >> thank you, neil. neil: good to have you. back to the vote on scotland's independence tomorrow night. everyone is talking about it, groundskeeper willie. >> scotland is the home to the reserves. notice no country rich in oil

did the men wear pants and we spell whiskey right too! scotland should be free, and more importantly for groundskeeper willie. the sensible chase. that's not a tattoo! it's a birth mark! >> i will be talking to him tomorrow too! 5:00 a.m. eastern time. what was i thinking? the vote at how it could affect your wallet. only on fbn. you don't get it! in a scottish accent. over 12,000 financial advisors. so, how are things? good, good. nearly $800 billion dollars in assets under care. let me just put this away. how did edward jones get so big?

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there are a lot of buyers for a house like yours. (husband) that's good to know. . neil: could your health care records be hacked? forget about the prices you're paying. what about the privacy issue? apple releasing its latest version of mobile software to date. you don't have to get one of the new iphones to get it.

you can download it free. millions of ready to use health tracking features. george jeppesen says be careful, you don't know what you're getting or who's watching. attorney general, great to have you. >> good to be on. technology is great, we're not suggesting that apple has done anything wrong at all. but what we have found it's better to address the privacy issues before a product is launched rather than after a product is launched. the horse has left the barn. we've done this before, last august, a year ago, we contacted google about their google glass product and met with them and had a very positive conversation, and they made changes in privacy policies. this is an opportunity for a win-win. this is a protect consumers, which is what ag's want to do. neil: what is your fear that when people upload this information, that it's out there?

apple should take better precautions and make sure it doesn't get out beyond it. >> they are clearly doing positive things, for example, they're encrypting the information, they're also it can only be released with the consumer's permission. but we're concerned among other things with the policies by which apps would be approved to access the consumer, the health information, and then how the apps would be monitored and policed which is the single issue. they are addressed proactively and an opportunity to protect consumer privacy, and for apple to avoid pitfalls down the road. neil: now, are you saying though, sir, if they don't or don't address this or talk to you or your office, that they should pull this particular app, should it extend to apple pay which itself is going to make a lot of easy online payments possible or direct point of sale payments

possible. that's ripe for potential eavesdropping. >> we're not saying anything like that at all. we're just saying that the chance to avoid errors is best before the product is launched, and we would like to be part of that dialogue. connecticut has been a leader on privacy issues whether it's with google or facebook, we currently lead along with california and illinois, the investigation into the target and home depot data breaches. so this is an area where we've been extremely active, we have a good track record of not playing gotcha politicsing are it's about finding solutions to real problems. neil: thank you for joining us. another one our predictions comes true. minnesota vikings running back adrian peterson out

indefinitely. we told you it would happen, but we also told you why it would happen. not the case. companies getting on the case. that prediction is next.

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back to scott, jared and dagen, not at all surprised by that. >> i am cynical, of course, about all of this. big companies like anheuser-busch and the like, they make a big statement they're not happy with what the nfl is doing. but they don't pull their money out. neil: you don't think they would? >> no, i don't because there is somebody standing by to take that place because football is a national pastime. and that's one of the reasons that the nfl screwed it up to begin with, they know this sponsor is not going to go anywhere, the fans aren't going to go anywhere, we don't need to deal with the issue of domestic violence. we all start talking about it, it's a free multimillion dollar commercial for them. it makes them look great, and if they don't say something, they look like jerks. >> dagen, if they go somewhere, there's another dozen sponsors that will step in. coors will come in or whoever.

neil: right now in the middle of this heat, you're not going to come jumping in. >> neil, you're getting in front of millions and millions and millions of eyeballs worldwide. clearly the most popular sport to be watched in the americas, and dagen is right, the fans aren't going anywhere either. people can say we're upset with the nfl. guess what? on sunday, they're tuning in. neil: you buy that, jared? >> first of all, i believe players are way overpaid and setting poor examples for america. i think the nfl should be cracking down much more stiffer than they're doing now. if you commit a minor crime, which this is not a minor crime in peterson's case, reduce pay to 100,000. the nfl is breeding this environment for advertisers to have fun and do what they want, and get free media exposure and they're letting the players do what they want as well. the problem here lies with the nfl than anything. >> i'm glad they stepped up and

said something. i was angry at anheuser-busch not doing it sooner given the amount of money they spend on the sport. just bud light to be the official beer -- neil: child beaters or white beaters. >> the nfl messed it up so much with ray rice and the two-game suspension. neil: it compounded. >> all of the sponsors needed to say something, i'm saying they'll never go anywhere. radisson was different, they took a stand. >> the minnesota vikings coach was announcing this position in front of a sign, a radisson sign. you know, i wonder in cases like this whether that's what ultimately determine goodell's fate. if sponsors getting leery and fellow nfl team owners are getting leery, he's toast. >> it's definitely an advertising driven sport, the

organization to some degree, you're right, neil, if they see low revenues and think to the point that was brought up. if for some reason fans don't come to the stadium, they don't tune. in he is toast. they want revenue. >> they are getting more now. they're going to do more now. what's rolling around on everybody's twitter on the fox news page. this is big business. cavuto, it's on your show and spreading the word. people want to watch this guy. it's adding more and more dollars to their coffers and getting more exposure for the advertisers. it's a backyards system. but it's happening. >> you are all very cynical. a new threat emerging from china has nothing to do with military and everything to do with company. it goes public, four of the most valuable tech companies will all be from asia. scott, that is remarkable, isn't it? >> makes sense, half of the

internet users are in asia in the world. that makes sense there are companies drawing upon that expertise, so to speak. neil, here's the other thing that is great, alibaba coming out on friday, huge ipo, record breaking, they listed on the nyse, they are coming to the americas to go public and raise capital. that speaks volumes that, yes, may start overseas for regulation purposes and come to the united states to raise cash. neil: that may be right, i'm looking at dagen, this is an element sticking this in your faces saying, look at this. the world's largest ipo ever is out of beijing. >> the company wasn't on the list because there are internet companies. apple, hello. u.s., america. right? neil: there is that. where 100 million of the phones are being made by the sfwhie exactly. when they're sold it goes right

to our own economy, our own gdp. what scott said, these are markets that our companies certainly the internet companies have yet to truly penetrate because of the language barriers and because they're just so complex. so that's a growth opportunity penetrating china and other companies for our tech companies here. neil: while i have you on this subject, what do you think of this offering? all these warnings come out, be careful, this is still going to be a company based in china, having to serve and listen to the rules of the chinese government, be careful what you're plunking your money down on, what do you think? >> funny, we've been addressing the fact that alibaba is coming here to list. they're doing that because they want us, they want u.s., north american customers to plug into their system. if you look at alibaba's core business, it's actually setting up commerce. in other words, alibaba enabled

you as a small business owner to get parts made in china. put out a bid and match it up. i think they're doing a right thing. from an investor standpoint, it's brilliant. we're going to see more made in china moving forward because alibaba is going to bring it down. i like the company. i would be careful on the first day, i wouldn't be willy-nilly buying it. long-term, this is the company to watch. neil: scott, your thoughts on it? >> real money, they're doing a ton of business, more than amazon and ebay combined and coming to the states to raise capital and get notoriety. i am buying it friday, by the way. >> how many people are going to end up with the stock and have no idea what the company does. no idea! >> it's like an aladdin sequel. i just bought aladdin. >> i am not long for the idea of investing in a company you don't understand.

a lot of people think it is underpriced, comparing other tech companies, which are stupid. anyway -- >> this friday alibaba does start trading on the new york stock exchange. join jo ling kent, she'll be talking to the company's ceo, former english teacher, right? look, bill o'reilly, too. we report, you decide. just hours away from the polls opening up in scotland. what is the mood right now? we'll be there for the latest. remember, 5:00 a.m. we're there. you be, too.

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kennedy: just hours away from polls opening up in scotland. voters going to the polls and

answering. should scotland become an independent country? yes or no? the pools are as close as they can be for the better part of 300 years and the fear that many are expressing, what happens to northern ireland and what happens to the british flag? and what happens to this movement that is really running particularly in spain. if it's emboldened, what happens there two even if they stay with or without this, then what two are wall street reporter jenny gross joining us now. how does it look right now to . >> well, there is a lot of activity on the street in edinburg. people are just leaving for

polls to open until 10 in the evening going forward. >> summer really concerned that england is taking advantage of them and for years have given them lip service and the prime minister has gone there to say we will do everything to keep you happy. how are young people reacting to that? >> it's interesting. because in this state 16 or 17-year-olds can vote. and so the polls have showed that there are actually has and has attends about the risk. kennedy: the risk being that you are not part of a country that is financially backing you up

and there are a lot of scottish people that feel that that is legitimate >> some of the main sticking point that i have heard speaking to people is that there's a lot of uncertainty about what currencies collinwood use. the leader has said that they would retain its use, but the uk leaders have said that that is not going to happen and they would not allow it. so i think that that is a big question mark for a lot of voters. >> all of a sudden scholar if they do succeed in the become its own country independent of britain, that it could cost david cameron his job and that it could really be reverberating through british politics as well. >> yes, absolutely. david cameron has already said that he would not resign if

scotland succeeds. but i imagine there would be growing press and criticism of how he had handled the referendum. and they have criticized him for not taking the referendum series way. and it looked like it was a real possibility. and a lot of the support base comes to be a part of this. neil: thank you very much, jenny gross from "the wall street journal." so who is more passionate and who is more engaged? we kicked things off at 5:00 a.m., go right through 9:00 a.m. and later if need be. with some of the biggest thinkers and movers and shakers on both sides on the planet.

you have seen some of these folks and they are rarely together for broadcast but they will be together for us as we wave theture on. good evening. kennedy: the president spoke today in tampa, the speech was more placid than florida. there is no combat mission and lots of imaginary friends are going to march into iraq and syria and shoot muslims at our request. we discussed this and the president continues to contradict his joint chiefs of staff and the secretary of state with every new speech. it seems impossible without a ground incursion. he has to change the incursion or be honest as to how it is carried out.