be gathered there. they're putting bugs in right now. liz: okay. thank you so much for joining us. we want you right back here tomorrow. meantime "the willis report" is next. david: we'll see you tomorrow. gerri: hello, everybody, i'm gerri willis. coming today on the show. you're not crazy if you think one of the cvs beauty products recently ran out faster than it should have. we'll look at ridlous packaging. we told you how to find the right financial advisor. we're looking at other side. we'll have advise how to fire your advisor if he is not working for you. and he was the first homeland security chief. now tom ridge is working on the issue of cyber attacks. my one-on-one interview is coming up. "the willis report" where consumers is our business arts right now. gerri: we begin tonight with, what you just have to call trickery at the pharmacy, which has landed cvs in hot water.

the retailer just settled a consumer complaint in california saying it faked the size of its products. cvs will pay close to quarter of a million dollars for misleading consumers to think they were getting more products than they actually were. the products in question were popular skin creams and cosmetics. todd marks, senior editor of "consumer reports" who has been investigating this slight of hand for some time. what do you make of the settlement, todd? surprising? >> as you know, gerri, a subject near and dear to my heart the incredible shrinking package. we at "consumer reports" studied phenomenon for years. we wrote back in the 1950s. you were at certain age when coffee comes to in a pound can or can takenner. down to 11 ounces now. companies are doing this for a long time. there is illusion more product inside of a container and backs or bog or carton. they use high per below.

use new larger size, but new larger size is smaller than the old larger size. gerri: that's right. >> take mayonnaise, mustard, take peanut butter. look at bottom, there is indent a false bottom if you will that gives illusion of when they shrink the size that it is the same. look at mayonnaise. mayonnaise used to be a quart. but now 30 ounces but container hasn't shrunk. this is long-time problem. gerri: yes it is a long time coming. look at some of the cvs products to show people what we're talking about. cvs age refining cream. on and on it goes. frizzy hair defying. look at these products. maybe you tried to buy one recently. todd, as you look at this. you say it is prevalent, everybody is doing about it what you is really happening here? because if you look at what they say on the front how much product is actually in this packaging, you can see, automatically what it has. so how is this deceptive. >> well, that is the whole thing. is it deceptive? what would a reasonable consumer

think? that is kind of the usual language that the ftc looks at when they decide if an ad or something is perhaps misleading, what would a reasonable consumer think and i think for the most part with low-cost items you don't see a lot of prosecution if you will or a lot of aggressive going after companies because they think they're relatively low-cost items that really aren't going to do much harm to people but if something becomes prevalent and obvious or repetitive enough which they think there is some sort of a deception going on they will proceed and go after them. we see it all the time. toilet paper, they shave plys, they shave centimeters or millimeters off these rolls. get rid of the cardboard roll entirely or make it bigger to make you think you have same number of sheets. >> i want to share cvs's statement. they put out the statement. cvs pharmacy is committed to insure product packaging is sufficient in size to

accommodate pertinent information about the product. cvs brand products including packaging are generally designed to be similar to the national brand equivalents. to your point, todd, you say it is everybody. show you examples of packaging. take a look. this is different brand entirely. oil of olay. look what you open up, how much product is in there. can you see in there? go all the way down in here. look at this, that is how big the product is. it has got the same problem that you just described. indentation on the bottom so it is not as big as it looks. what do you make of that? >> we call it air to spare. we've done a whole study on this sort of a problem. a lot of container and very little product. see it with potato chips and cereal. sometimes with the products they settle. or required when trucks go through high altitude regions the pressure can build up and they need expansion room. for products like this i think it is kind of a little

misleading you remember there is not a lot in there to begin with. you're dealing with a little bit. when you open it up, oh, my gosh, it is even smaller than i thought. i think that is were the problem comes about. gerri: you have said yourself yoplait, the yogurt people, have done a great job of making it look like they're giving you the same amount but whipping their yogurt. take a look at. that slight of hand. >> that is interesting one, we saw yoplait, they make a number of varieties and they're all the same size in terms of the container. if you looked at whip variety, when we did, we found it actually weighed less than the others because why in you're paying for air. it is a whipped product. technically maybe you think it should be in smaller container or more prominent in terms of the size or content still but it is not always. it is calf ought emtore. let -- caveat emptor, let the buyer beware. government will not protect the consumer. low-cost, low-risk items.

you need to look to make sure that what is on the container is in the bottle. if you feel you're -- this is greatest thing. if you feel you're being misled, the companies always have a phone number or website to call on the packaging. by regulation, you can call them up and complain. at very least you can get a coupon for a free product. gerri: todd, great stuff. thank you. now we want to know what you think. here is our question tonight. are you paying more and getting less in sure seems that way. log on to gerriwillis.com. vote on the right-hand side of the screen. i will share the results at the end of tonight's show. one country affecting everybody's bottom line is china. fbi director james comey making eye-opening remarks on china engaging in widespread corporate sigher hacking of america's biggest companies costing us billions of dollars. >> they are extremely aggressive and widespread this their efforts to break into american systems to steal information

that would benefit their industry. there are two kinds of big companies in the united states. there are those who have been hacked by the chinese and those who don't know they have been hacked by the chinese. gerri: joining me now, the author of the coming collapse of china. gordon chang. gordon, welcome back to the show. how big of a problem is hacking by china? >> china is by far the country that hacks us the most. it is not just the pentagon and defense contractors. it is institutions of free societies. it is individuals, newspapers, advocacy groups, charities foundations. they steal somewhere between 20 and 350 billion doll a year of u.s. -- $350 billion a year of u.s. inlex wall property. that is 2.31 million american jobs lost. gerri: what i'm curious about is this state-sponsored or are these individual actors going out to steal what they can. >> most of the hacking is done by the peoples liberation army, ministry of skate stuart,

communist part unit and state enterprises. there are individual hackers in china. beijing knows about them because of the great firewall. beijing knows all that is going on in and out of the country through its gateway. if china is not actually behind it self it is complicit. gerri: estimates of cost of chinese cyber threat 20 billion. just 350 billion every year. amazing. one of the very interesting things you told our producer, you said, don't buy chinese goods because buying chinese-made products is hiring a burglar to install your home alarm. >> essentially all of these chinese telecom equipment, especially from a company like huawei, founded by a former people's liberation army colonel, these are going to be, china will be able to exploit them. we've had blackouts in the united states. some people think they were actually caused by china. if you put chinese equipment into american networks, that just makes it so much easier for them to do that. gerri: i got to tell you, it is

a real warning to a lot of people out there. before you go, another asia story we wanted you to address quickly, hong kong. tempers cooling there. seems like the protesters are sitting down. why? >> first of all there is the exhaustion factor. on of those kids have been opt street for 12 days. many have been there for a week but also a strategic retreat because the students are talking to the hong kong bought. so there is this point where i think most people in hong kong want the students to sort of back away a little bit. when those talks fail, which they will, those protests will swell in size. gerri: gordon, thank you. >> thank you. gerri: meanwhile, speaking of cyber threat, jpmorgan chase revealed last week that they were the victim of a massive cyberattack. and now we're learning the largest bank in the u.s., doesn't plan to inform the victims of the data breach, their consumers. what can you do if you feel you're a victim of this? joining me credit sesame's john ulzheimer. thanks for being on the show.

i'm confounded by this. jpmorgan chase informed the regulator. they put out a press release and end of story. they don't send letters to their clients, to their customers, to the people who are responsible for their earnings every year. they say, it is up to you. there is a little link on their website saying, update on cybersecurity. is that enough? >> yeah. clearly it is not enough to engage with every 76 million consumers who have their information exposed. it seems like what is happening they're weighing the cost of actually proactively contacting everyone which would cost tens of millions of dollars, especially if they did it through snail mail, versus allowing the media with the coverage of the breach to do it for them. essentially what is happening now, it is, people like us, you and i discussing it, acting almost as proxy for chase to notify their customers that be aware that your information may have been breached and you may want to do something about it.

gerri: i was shocked by that. there are stories possibly russia was involved in this? i have to tell you jpmorgan chase has told fox business that is not the case but why would you belief that russia is involved? >> it is interesting, soon after the breaches are announced fingers are starting to be pointed. inevitable that russia is involved whether they are or not. this is what formally happens. some very clever individual or group of individuals in a basement somewhere figuring out ways to test the fence to figure out weaknesses whether in russia, korea or here in the united states, we still really don't know. what we do know for sure, but when it is absolutely pinpointed it will be publicized with great vigor and we'll know where the breach came from. gerri: i hope that day comes. talk about your tips for protecting us. what can i do, if i'm a jpmorgan chase customer tonight and i'm worried? >> believe it or not, this is

going to sound very counterintuitive there is silver lining in this thing. looks like the only information that was taken as of today anyways that we know about is contact information. which means that what is likely going to happen is what is referred to as phishing or spear phishing, that means there will be aggressive emails being sent that will look deseparate testifily similar to emails normally get from chase ha will contain information could make you believe that you need to contact them for some reason. when you start clicking on links in emails, you can start getting in trouble. that is the good news. gerri: that is your first point, don't click on links in any emails or emails from jpmorgan chase or purport to be? you. >> know what any do not like it at all when people click on links in emails because, you're allowing someone else to essentially incity gate the communication -- instigate the communication. always you should start the communication. whether phone number on back of a credit card or phone number on

a statement. that is how you want to start the conversation from your angle, not receptive from their angle. that is absolutely not something you want to do. the fact it could be phishing it could be good news. that tells you they don't have enough information right now to perpetrate some sort of fraud against you. they will go out to try to procure more sensitive type of information, passwords, social security numbers, balance information, account numbers, things like that to move forward with fraud. the fact you get fishing emails tells you -- gerri: credit card alerts. tell me about that. >> most credit card issuer will let you know when a card not present transaction is taken place. entered your card information on internet and charge something, get an alert, hey we process ad transaction where your card was not physically present. most of the cases are false positive where you actually did instigate the charge. you will want to know if those type of charges occur.

remember, no credit cards were stolen but there is a chance we may find out in the future that credit card information was breached by these hackers. be aware you should sign up for these types of alert to make sure that the transactions that are occurring are actually valid. gerri: check that chase balance as much as you can. great tips, john, thanks for coming on tonight you. >> bet, thanks, gerri. gerri. coming up in a few minutes i talk to former homeland security secretary tom ridge on the growing threat of cybercrime. you will want to hear that. still more to come this hour including your voice. your voice is important to us. during the show we want to you facebook me or tweet me @gerriwillisfbn. send me an email at gerriwillis.com. at the government of the hour i will read your tweets and emails. next, answer the question, how do you do that? we have advice on the best way to fire your financial advisor and red flags to look out for. ♪

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your breathing suddenly worsens, your throat or tongue swells,... you can get hives, vision changes or eye pain, or problems passing urine. other side effects include dry mouth and constipation. nothing can reverse copd. spiriva helps me breathe better. sfx: blowing sound. does breathing with copd... ...weigh you down? don't wait ask your doctor about spiriva handihaler. gerri: is your financial advisor

doling out bad advise? ignoring your phone calls? or worse, engaging in criminal behavior? firing a deadbeat advisor is just as important as finding the right one so how do you do that? ed butowsky, wealth manager and financial advisor at chatwood invests of the great to see you, ed. it is true, there are some bad guys out there. how many? >> well you know what? there is a lot of bad guys out there. there is a lot of good people out there but the bad ones seem to come out at all the wrong times. i know one group that is preying on older people in san diego, gerri. it is unbelievable. a lot of these, these are not the big firms, ubs firms and morgan stanley. these are the small, independent, broker-dealers. there are some good ones but this one particular group really gets me, people come to me when they have issues from time to time. a 74, 73-year-old person put their money into and was convinced, they weren't legally able to put it in because they

didn't meet qualifications, put 90 percent of their money one fund, gerri. broker took a 10% commission. they can't took their money out. of a million dollars, $900,000 got put into the thing and it is gone. >> they are not supposed to be in it to begin with and didn't know what they were investing in. >> no. gerri: look what is going on. finra talking about numbers folks doing bad stuff. last year they suspended 670 individuals. they received over 2300 individual investor complaints. you admittedly looking at kind of an outlyer situation where somebody is getting ripped off but lots of other reasons people have problems with their financial advisor. talk to us about that? >> there is a lot of shoplifting, i call it like that. they buy a bond in the market, get a mark up or mark down. clients never see the amount of money that markup is. they might act as though, hey, i'm buying municipal bond for you, but if they're taking more

than a quarter of 1% which most do, they're basically ripping you off. if you're buying municipal bond, before you agree to buy a municipal bond or corporate bond if your broker is showing it to you, ask them, how much is the markup? make them put it in an email to you. if it is more than a quarter of 1%, don't do it. they're ripping you off. gerri: got to tell you, i think some of what is going on is much more insidious. these financial vie sores -- advisors intimidate older woman, you don't understand this. you're stupid. i will buy this because this is what you need. >> right. gerri: really pushing people around and telling them that they don't get it, they're not up to snuff. so the big complaints are, why people fire their financial advisor, service, relationship, advice, performance, reputation and trust. people feel like, you know, i call him but i can't get him on the phone. there is stuff as simple as that. tell me, give me the one, two, three. if i want to fire my advisor today, how do i do it?

>> exactly. in fact i want to add one thing you just said. one way to avoid having problems, insist any transaction prior to doing it is written in an email. that you have a tracking system versus, oh, i didn't really say. that that is exactly the way, gerri, you should go about firing your broker. you know what? here is email, as of this time or date, please do not transact any purchases are and sales on my behalf and copy the branch manager and compliance officer. guess what game over, nothing else is going to get done. that is one way to do it. the other thing you need to do, i don't know why anybody signs these discretionary forms. a lot of people will sign a discretionary form and let anyone buy anything and sell anything at anytime. advisor says i have so many clients i can't afford to spend the time calling everybody. you know what? if you have my money and i'm a client you have my money, you better call me or i find somebody else. make sure the people are calling you prior to doing transactions.

do not give discretion to anybody, gerri. gerri: final point, be nice at end of the relationship because you probably will have to go back to them to get information for taxes. we've got to go. thanks for coming on. as always, grade job. >> thanks, gerri. gerri: we're less than a month away from open enrollment. what should we expect from obamacare this time around. next you don't have to spend a fortune fixings up your car. "consumer reports" is here with ways to fix it for practically nothing. no kidding. ♪ ameriprise asked people a simple question: in retirement, will you have enough money to live life on your terms? i sure hope so. with healthcare costs, who knows. umm... everyone has retirement questions. so ameriprise created the exclusive confident retirement approach. now you and your ameripise advisor....

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gerri: a willis report from you a warning about the beef you may be eating.

us agriculture says a texas company is recalling nearly 90,000 pounds of ground beef that might contain pieces of metal. they issued the recall after four consumers complained. the products recalled were sold by heb stores. not pretty. before reaching into your pocket for a marilyn car repair, you're going to want to hear this. vehicle manufactures they may offer a secret warrant that could save awe thousands of dollars in repairs. mark. great to have you here on this show. how can there be secret warranties. how can i not know about them? >> they don't have to tell you about them. unlike a safety bulletin, a technical service bulletin applies to things that may not

affect the safety of the vehicle. things that may not affect the operation of car, but don't affect the safety of the vehicle. gerri: what type of things might be covered that i don't know about? >> this is where things get interesting, they have to tell their dealers -- what you need to do is file a technical service bulletin. that goes to federal regularities. and so basically what you do, you look up your car and you discover all the things that may go wrong with your vehicle. they won't repair it just because you're suspicious things might go wrong. they have to replace every single part that goes wrong in a recall. when you go into the dealership, your car needs to have a fault. what you need to know going in, the actual problem is covered. gerri: so the technical service

bulletin is the imagine formula and you've got that in the current issue of reports. and i want to give a couple of examples. the honda sifng they extended the paint warranty to seven years. so what happened there? why did they have to do that? >> well, sometimes the paint formulation doesn't work out. sometimes it's supplier issues. it's things the car company discovers a few months maybe sometimes a year or two they discover the reliability of certain pieces doesn't go so well. some second generation toyota priuses go blank. that something that may startle you somewhat to discover you you don't know how fast you're going. if you know about it, they will repair free of charge. gerri: thank you for that. we're looking up for you

and your money. what about your portfolio? and next with open enromantic just around the corner, experts are already expecting more problems and more expenses. we'll have the latest.

gerri: a fox business alert, walmart is moving into the health insurance arena. the world's largest retailer plans to work with health savings.com. in either medicare or obamacare. customers can enroll online by phone or in one of the 2700 stores participating in the program. that all starts friday. walmart which teamed up with auto insurance.com to do a similar program in april -- a lot of people going into the stores. now, not that the government would ever admit it, but they might be happy with walmart's

help in handling obamacare. the second enrollment period is just a month away. before then, insurance companies are going to send cancellation notices to thousands of people more people, canceled, why? >> when people found out the president's promise of if you like it you can keep it, there was a mad dash to hold onto these policies. the state insurance commissioner said you can keep it. that's not going to be true forever. some of them are going away this year. sometimes the insurer doesn't want too many products out there. we'll see another round of carnations and a round of problems with the website as well. gerri: we talked a lot about that last year. the website hesitant been working as it should. the front end has been working well, but how

about the back end? is it seamless from front to back? (?) >> by no means. i think we've seen the administration be very careful about setting expectations for people who are trying to newly sign up for obamacare. it's going to be better than last year, but not there. we spent a billion dollars for healthcare.gov and the front end is not going to be seamless and the back end is not built. the second problem we're going to get unless people who have insurance start from scratch, there is no guarantee they will get accurate information about their subsidiaries. in sitting there and trying to pake policy. ey may end up in the wrong policy. that's going to end in buyer's remorse. gerri: not a system ready for prime time (?) the government said they've got more sneer

under oath. all we've seen are higher costs, doug. >> it's going to depend on where they show up. the big distinction they were in the densely overpopulated areas. they competed pretty extensively. we'd have one maybe two insurers in the area. if they enter the rural areas, that will be a good thing. they will go for the densely populated areas. you'll see different premiums for the urban and rural areas. get in their from catholic church scrap scratch. shop carefully for your policy. you want to walk out with a policy you want to keep. gerri: it's so hard though. doug, thanks so much for coming on. i'm sure we'll be back to you on this topic. >> thanks, gerri. gerri: everybody is concerned about health care. right? tomorrow on the willis report what we're going to do is test

the surfaces wedge into contact every day and we'll answer the question which is dirtier your break room or bathroom. hold the phone. you won't believe what we found out when we tested this cell phone. that's tomorrow on the willis report. so your house is insured so is your car, but what about your data. i sit down with a former homeland security chief, tom ridge whose who says we all need a digital policy. we're covering your assets with our financial panel coming up, and here's your consumer gauge. all the numbers you need to know. we'll be right back.

gerri: inspector of another

correction is spooking many traders in some especially as the fed winds down its massive stimulus program. good investors see a 10 percent drop in the market in some. will the upcoming midterms give it a boost? nancy, principal of the money managers financial group. and greg president of an advisory group. greg, a little ray of sunset. we could get a boost from midterm elections how did that work? (?) >> we could get a boom. history says we should get a boom. i'm not a person that likes to vote against history. we have a lot of uncertainty facing the market with everything like ebola and isis and everything that is there, but the midterm elections they bring a lot of certainty and maybe will counteract

uncertainty. gerri: what we're seeing in stocks, they tend to rise. october 31st to the following april 30th, they're up like almost 30 percent. 17 percent on average. this is one of those trends you don't want to avow avoid. the trend is your friend. this one of those anomalies or something you'd like to play. >> i hope it happens obviously for all our clients, but we manage a lot of employees in corporate retirement plans so i don't want our clients to really think about it because we're really trying to help them put away money for a long time. ten years, 20 years, 30 years. while everyone wants the market to go up, i don't want my clients to focus on that. gerri: october worst performers has been utilities and energy. what do you see in your crystal ball? >> as a long-term planner also, we don't

focus on the short-term, but certainly, it's an opportunity right now. you want to be contrarian when you're investing, but think of the long-term. don't think for the next 30 days or 90 days. think long-term. measure what your investment recommendation or selection is based on your risk tolerance and your time horizon. gerri: greg, you know we talk a lot or have over the past week or so about what is going on in the bond market and one of the topics obviously has been bill gross and his exit from pimco and moving over to janice. what is the latest on this. a lot of people backed out of pimco funds. do you expect more to do the same? >> probably so. i believe that things come in cycles. being somebody that follows sports, you'll see a team do very, very well, but there always

comes a time to go in another direction. i mean, voting for the person, i think you got to watch out. i think no matter what happens, no matter where he goes, his reputation, he'll be successful. gerri: mike, what are you telling your clients. there was a story about gross median -- the head of double capital jeffrey, and he said i'm kobe, you're lebron james. i mean, this guy is hilarious. he said i have fibromyalgia he agrees, you have two. probably going to five. what do you make of all this and most importantly what are you telling your clients. >> i think it's a good headline. obviously of the two most famous bond managers in the world meeting. i personally don't think it would have worked. to be as successful as both bill and jeffrey, you have to be very confident in your picks.

and what if one of them wanted to buy more and the other wanted to sell, who is ultimately going to make that decision, so while it was a good headline, i don't think it was good -- in the long-term it would have worked. we are worried. bill leaving. the funds had some issues over the last 18 months, so we are recommending to our clients that we really need to look at that. and we need to make sure staying with pimco is the right thing to do over the long-term. gerri: you haven't pulled the plug yet. nancy, how about you. what do you make of pimco's future? >> well, for one, pimco total return is an unbelievable story. pimco as a company is an unbelievable story when it comes to income planning, and certainly bill gross is the lead without a doubt in the industry. pimco's loss of bill is a huge loss and for

professional portfolio managers like myself, i do take it very serious. if we do watch the management of a fund, not the fund name. so when he leaves his funds along with it is his performance. they have to start over again. but the team that follows him is very experienced. gerri: are you staying with pimco. >> for the near term, absolutely. we're watching it very closely, but we're following it very closely. gerri: well, good stuff, guys. thanks for coming on tonight. thank you. >> thank you. gerri: and still to come, my "2 cents more," but first who is really behind all these massive cyber attacks? the former director of homeland security joins us with some answers. i'm only in my 60's.

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gerri: at the top of the hour, he told you how to protect yourself from the jp morgan chase cyber attack, now my next guest is hoping to slow down these attacks. joining me now tom rinl, the former homeland security chairman. welcome to the show. secretary it's great to have you here. this new product, this new venture you're involved in. why now? why are you doing this now? and who do you hope to impact and help? >> well, first of all, there's certainly a need in the marketplace that people are clamoring for it. and the reason we introduced it now, we've spent the last several months demonstrating to them that we have an assessment tool that is unique in the marketplace. it is threat driven. we're going to take a look at the threats in

the sector of the company. we are going to look at the regulations. if they are complying with the standards pursuit to obama's executive order. then we have a tool that will go in and based on that assessment, we can tell the underwriters it's a go, you can insure them because they're managing the risk well or we give them a caution sign. they need to do certain things before you can or should you -- gerri: so it's not automatic. you got top of your ducks in order. and my understanding is you want to help people get their ducks in order. back to your comments about the dlet. 3,000 cyber attacks on us companies in 2013. the cost of cyber crime estimated at 445 billion annually to the global economy. you say you want to help companies manage their cyber operations. what kind of help can you give them to protect themselves? >> well, it's a great

question. and at the end of the day, ridge insurance solutions company, we don't want to just sell a product. we'd like to be to become a trusted advisor. we take a look at their defense memphis, we need to remind them that the insurance policy may last a year, but the threat may change on a day-to-day basis. the threat actors, they can move that quickly. so we hope to build a relationship with them. a lot of these companies they have the international capital that are going to drive the economies in the years ahead. so we have a suite of services that we would put before these companies and say, in addition to the insurance, which is part of the risk management, it's not an it problem, it's a business risk. we think you should embed these pieces of software. and down the road, you may be rewarded.

gerri: i'm sure you heard the fbi director on tv. there are two companies. the companies that have been hacked and the companies that don't know they've been hacked. nords, everyone has been hacked. so i look at those numbers, and i say to myself, if i had to bet, i'd bet with the hackers. how good a shot do you have at insuring these people against loss when it happens every day. >> well, the fact it happens every day is the reason you want to be associated we company like ours and make an assessment to defend yourself. i mean, risk management, part of risk management is having that insurance. i mean, it's like you buy insurance to deal with mother nature's fury. you buy insurance to deal with property damage. part of managing the risk, it's a good insurance product. between

our insurance product and elsewhere. we get inside the system. we have a technical probe before you even write insurance. gerri: you were secretary of homeland security. you got a view of this issue like nobody else. who do you think are the worst owners outer out there? who are you most interested in protecting your clients from. >> well, i think there are three primary nation states that are responsible, the chinese, the russians and the iranians. you have organized crime. sometimes it operates in countries that tolerate it. sometimes in countries that can't do anything about it. so depending on the source, depending on the threat, it's either espy knowledge or theft so when you took a look at the nation's -- hackers have another motive. those who want to steal

your proprietor information, they have another motive. (?) the meth dolling we're using, we will look at the sector that the companies are located, we'll take a look at those threats, and as we set up our assessment tools, see how vulnerable these companies are to these threats. gerri: we covered the jp chase -- are you surprised a major bank could be breached and are they doing enough to protect their customers? >> it's difficult for me to comment on any of these companies because my time and i have no idea the kind of security protocol they adopted before these incursions. the one feature of the assessment protocol that we've developed a capability to go in from a distance. one of the things we'd require from our insured, the first sign of a potential attack, you need to call us. because we know we have a tool that can go in

and potentially identify the source and then seal out the contaminated space. there seems to be a delay between when they discovered the potential threat and when they announce the threat. if too much time elapses between discovery and doing something about it, you may not be able to contain the information that's comprised. we have the tool that can contain that if they become part of our platform. gerri: thanks for coming on the show. we'll be right back with my "2 cents more" and the answer to my question today are you paying more and getting less?

gerri: earlier this hour we told you about cbs settling allegations that their packaging is not matching what they put inside the package. all air and no product. our guests say this is the new normal. are you paying more and getting less? we asked the question. 99 percent said yes.

1 percent said no. log onto gerri will us.com to get to our questions. we talked a lot about cyber crime. and no doubt you know about the hacking of jp morgan customers. maybe you're one yourself. sources say nine other banks may be hit by the same. chase has decided not to reach out to individual consumers who are customers to explain what's going on. i don't understand that. it seems to me that alerting customers directly not through an email link would make it clear that chase isn't the bad guy. that's my "2 cents more." and coming up tomorrow with all the diseases in the headlines. flu, ebola, enterovirus, i'll informant how to clean your surroundings. you'll see it up close and personal. that's it for tonight's willis report. thanks for joining us. have a great night. making money with

charles payne is coming up next. (?) charles: i'm charles payne and you're watching making money. some big news stories on ebola. first rich live in washington with the latest. >> charles, president obama said the government is working on additional airline passenger screenings to halt the spread of ebola. following a meeting with health officials at the white house he said. the white house said it's not considering a travel ban from west africa to the united states. the obama administration said a ban would prevent aid workers from traveling there. adding the best strategy for containing is to confront the disease in africa president white house the risk of an ebola outbreak is