gold was back down close to the 11 handle today. where do you think it goes from here? >> next four or five days i think gold goes lower. i think it is early. david: thank you. >> mark newton of grey wolf, thank you so much. david: we have a busy rest of the evening. >> hello, everybody, i'm gerri willis. anti-obamacare sentiment sweeping the senate races throughout the country. that isn't the only thing democrats have to worry about for the midterm elections. reliance onioning voters is in he jeopardy. new poll from heart spread university that millenial voters are up for grabs. fox business's rich edson in the d.c. bureau with details. rich. >> harvard's university of institute of politics said the results show 18 to 2010 fer 29-year-old as. they say favor democrats controlling congress. 43% saying republicans. among those saying they definitely plan to vote this year, republicans hold 51-47%

advantage among millenials. in the midterms republicans may benefit from younger voters. >> this generation as a generation, preferred democrats slightly more than republicans on most issues. the question is, who is going to actually show up and vote on tuesday? what the answer to that question is, the people who say they're most likely vote, basically 25% of the young people, will most likely vote look more like romney campaign than the obama campaign for 2012. >> as for share thoughts on president obama's job performance, 43% approve, 53% disapprove. on his handling of the economy, only 36% approve, 60% disapprove. these numbers mirror broader voter surveys. recent "fox news poll" puts president's approval rating at 41% with 54% disapproving. gerri? gerri: rich, what are millennial's thoughts on obamacare? >> despite many take advantage

of one of the most popular provisions of law, with those 26 and under can stay on their parents plan, 37% approve handling on issue. nearly 60% disapprove, similar to the thoughts on ooamacare. less than 40% approve, 57% disaprove. still republicans may only see a limited benefit from these young voters. less than a quarter of them turned out in the last midterm election in 2010. gerri: all about the turnout, rich, that's for sure. >> that's right. gerri: thank you for that. while enthusiasm among millenials seems to be tempered, those that are planning to vote, are planning to vote republican. that is according to a new "fox news poll." however the gap is now only four percentage points compared to 15 two weeks ago. when asked about individual congressional races it is statistical tie, dead heat between democrats and republicans. nearly half all voters would rather see a republican controlled senate. while the race between the two parties is close, one thing 2/3

of all voters can agree on, president obama just isn't cutting it. to see if these polls translate into reality tune into our fox business coverage all day tuesday, well into wednesday. for complete coverage, election coverage, 20144election coverage, hosted y our very own neillcavuto. still a lot more to come this hour including your voice. your voice is important to us. that's why during the show we want to you facebookkme or tweet me at gerri willis fbm or send me an email at gerriwillis.com. at the bottom of the hour i will read your tweets and emails. coming up next more evidence of an uneven playing field when it comes to investing as word comes of medicare officials tipping off traders before the rest of us. the details coming up after the break. ♪ she's stilthe onr yo

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gerri: according to one anaaysis republicans ran nearly 12,000 anti-obamacare ads in senate races just in the week of october 13th. that is more ads than republicans ran on any other issue. jobs unemployment, taxes, you name it. take a listen to what voters are

hearing. >> as a doctor i see how obamacare hurts patients access to as a mom i know it hurts families. my son as diabetes and our insurance was canceled under obama care. >> senator kay hagan hasn't earned six more years. her family profited off her votes. she also profited from obamacare >> without health care i don't know what i do. i'm so upset with barack obama. he cut misdemeanors for medicare for seniors. gerri: why are democrats staying so silent on a law they claim is working? joining me, douglas holtz-eakin, president of american action forum. ever and big republican dollars going to anti-obamacare ads. this is issue a lot of pollsters a lot of political pros was dead, it is ovvr, people are done with it.

maybe not. what do you ay. >> it is certainly not dead and over. the polling has revealed again and again this is a law was unpopular, is unpopular and will be unpopular. it is unpopular in part because of way it was passed. people feel they were lied to get it passed. if you like your insurance you ghetto keep it. they feel like it was done in partisan and specially rigged way. they don't like some of the substance either. it is not hard to see this being a very effective ad campaign. i think it will continue to be so. gerri: so, the number of obama, anti-obamacare ads is twice number on the jobs market. interesting because the jobs market is another problem area for the president. >> right. gerri: you know, it is interesting because a lot of issues are connected, right? the problem with jobs is connectedded to obamacare and small business. the problems of overspending by government and budget is connected to obamacare. all these issues are interconnected, are they not. >> i thhnk that is absolutely right. that is the right policy analysis. look at economy not performing

very well and you trace through kinds of incentives obamacare has, they are bad. this is $10 trillion next 10 years. highhtax, high regulatory law. it will not help the economy grow, it will hurt it. but the politics are the important thing, gerri. the reason we have 12,000 ads now, nobody gets more energized by obama care ads than republican base. republicans want a big turnout in this midterm. that is the route to success. those ads are a way to get people to the polls. gerri: talk a little bit about the substance here too. there is politics and then there is the real stuff, right? >> yeah. gerri: here is what is happening with insurance premiums. for the average 23-year-old, we have a study that looked at 23, 30, 62-year-olds. for men those premiums on average up 78%, compared to preobamacare. for women up 45%. this is a astonishing. this has to be one of the reasons that folks are just, i think they, you know, they don't even want to look at the poll,

right? it is ss depressing. >> this was predictable. i mean any analyst who looked at this said, young people are going to pay big premiums. it is the design of the law. there is a mandate to get them into the insurance pools so they can pay the bills of older and sicker. there are rules that say insurance company can't give them cheap policies. they can't charge old people more than young people. this was coming. only question was, is how big will it be? we're seeing double digits. indeed in some estimates it is trip till digits. gerri: even for older folks. 62 i said, it is actually 63 from study from health pocket. average insurance premiums up 23% for men. up 38% for women. this wasn't supposed to happen, right? >> no. the idea was to, remember cut your insurance bill by $2500. unfortunately that is hard to do when you're demanding that everybody buy insurance that covers everything. and, the very rich set of benefits that has to go into this insurance pushed premiums

up. the taxes that are levied on insurers, device companies, they push premiums up. and regulations push premiums up. so we're not getting a break on price that was advertised in any way. gerri: you know, this just feeds the narrative too i think has been developing over the last several months that government just isn't capable of getting anything done and done well, right? one of our first examples is the last year, remember you and i talked quite a bit about the obamacare website. healthcare.gov, you couldn't get on. couldn't get off. you couldn't buy anything. now we hear some of the other websites affiliated with obamacare, the small business portal, not up and running yet either. we don't know how that is going to work. a portal that they designed, doug, specifically to tell americans whether their doctor, their doctor was taking money from big pharmaceutical companies, big promise we'll open the doors, give you all this information. i tried to get on it navigate it. i can't figure it out. >> yeah. we've seen this movie too many times. indeed the original movie was

terrible. remember the tech s.w.a.t. team was brought in to fix it. what we're hearing now for year two, it is still not complete. they don't have a healthcare.gov that does everything it was supposed to do. they're trying to set expectations very low for the kind of performance people will see because they know it is not yet functioning right. so, you know, whether it is in healthcare.gov or shop exchange for small businesses or for the you look at the response to ebola and wonder if we got it right, there is a real narrative about the competence in running the government that we've seen over the past couple of years. gerri: not good news. doug, thanks for coming on tonight. greaa to see you. >> thank you, gerri. gerri: we want to know what you think. here is our question tonight. will obamacare be a factor in yourrvote next week? log on to gerriwillis.com. vote on the right-hand side of the screen and i will share results at the end of tonight's show. well, government under scrutiny in other ways too. government workers under scrutiny for potentially leaking insider information to

wall street traders. sources telling "the wall street journal," the workers at centers fory a dozen medicare & medicaid services. subpoenas are flying. and here to explain is susan pulliam, the woman doing all the investigation of this story. susan, welcome to the show. great to have you here. so the big problem here, according to the sec, it looks like government workers are tipping off traders and specifically, what seems to be going on, centers for medicare and medicaid services is a government agency that literally spends billions of dollars on health care. companies are reliant on it for revenue. maybe some folks inside those offices are telling traders what they're doing before they make it public. tell us what your investigation has found? >> well what we found is that the sec is looking into three different situations where folks inside cms appear to have leaked information to consulting firms

who sell their service to wall street. gerri: so it is a one-two punch, right? not that they're calling the trading floor. they're calling a advisory service that sell research into traders, correct. >> correct. a number of companies create ad whole business getting this kind of information and turning around to sell into trade years give with us one of the examples, march wood group. tell us what happened there wit3 marwood group in 2011, there was surprise decision by c ms drug prostate cancer treatment made by dendreon. this was a situation sort of in the wind and there was, it looks like there was a leak from cms potentially to one of these firms. gerri: now this have affected the company? >> well the news -- >> basically what cms was looking at, they were looking at cost of this treatment and whether or not they would reimburse -- very expensive treatment and question whether they would reimburse the full

cost. so it would directly affect dendreon's revenue and it was huge, huge issue for the company. it basically drove the stock for a whole year. gerri: so what happened? >> well ultimately what happened they decided to do review and denned dei don't know's business ran into other issues. the stock is dollar something. -- dendreon. the stock continued to go way down. gerri: wow. >> in the midst of whole question about the review the stock was bouncing around. it was traded by a bunch much hedge funds. gerri: exactly right. and so i think it is so interesting these companies can have major influence on the stocks of these companies, this news critical to their earnings, their eps obviously. are there other examples of this as well? >> right there are several other examples. there is a situation we followed involving another company, another political intelligence company named height. that related to a leak regarding funding for hospitals in 2013.

so there is that. then there is also another investigation into a former cms official who appears to have gotten uncannily good information about cms decisions. gerri: there is a little revolving door going on here i think. >> right. gerri: the folks at cms, center for medicare, medicaid services, this information becomes public eventually. what is wrong with that logic? >> right. well as part of their job to talk to the people affected by their decisions, beneficiaries and health providers and they also tack to -- talk to stakeholders in the companies affecteddby their decisions but that is after the decision is made. they're not under their own policies allowed to talk to people before they make decisions. >> makes a lot of sense. so what happens next? are there charges? is something going to jail? what is the likely outcome? >> it is unclear whether cases are brought or not. insider trading cases are notoriously hard for the government to bring. so it is not completely clear

what will happen but it is a big deal for the industry because obviously a lot of people spend time to try to figure out what is going on in washington. it will raise a lot of questions who you can talk to and when. gerri: couldn't happen soon enough in my view because you want even playing field for individual investors out there and not huge advantages to the he folks what is probably pretty expensive research i guess? >> oh, no, these companies charge a lot of money for their services and the information they turn out it is really big, it is a big deal for wall street. and so the big firms have a huge advantage over the little guy. the little guy by the time these decisions are made, the big investors have already gotten and made some profits on it. gerri: susan, great stuff. susan pulliam. you can read her in the "wall street journal" thanks for coming on. >> thank you. gerri: later in the show, it's fed day which means a roller-coaster ride on wall street. we'll have the latest. next, it seems like nobody, nobody is safe from hackers, even the white house getting hit. so how can you keep yourself

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gerri: the white house is confirming hackers did get access to its unclassified network and those hackers are reported to be russian. here with details on this is adam levin, founder of identity theft 911. welcome back to the show, great to see you. >> great to see you. gerri: my big question for you is, how unusual and how serious is this? i got to think the white house, at least people try to get access all the time. >> no, i don't think it is

unusual. again as with everything else we've seen, breaches and hacking have become the third certainty in life. institutions are under constant attack. government institutions, financial institutions, retail institutions, everybody is looking for a way in and whether it is for financial gain or espionage for political gain this is what is the new norm. gerri: what do we think happened here? we say russian hackers but what do we mean? some kids in a cyber store somewhere in moscow or do we mean the government there trying to break into the white house? >> nobody really knows. my bet would have to be it is government related but in russia you never know with all the loose alliances they have. but bottom line is, that it seems to be, it is traced back to the russians. there have been many hacks by russians of late. nato experienced issues. the ukrainian government experienced issues. american defense contractors have experienced issues. gerri: unbelievable. >> everywhere you turn there is

a hack going on and whether it is russian, chinese, eastern european, you know, you have to think of it that just we are living in a hostile environment and the cold war has been replaced by the cyber war. gerri: the cold war has been replaced by the cyber war, what a great way to put it. the fear though, this is the executive office, these are people that work with the president and we're not talking about necessarily getting on people's ipad, we're talking about the system that supports the white house and the president's own network. how deep dot hackers go, do we know? >> nobody really knows. currently the secret service and the nsa, the fbi, are investigating and information is sort of coming out in dribs and drabs about it. they claim that the reason why it has taken a while is that the cleanup of the problem, actually it has taken longer than the discovery and initially finding and dealing with the problem but -- gerri: this happened sometime ago and they're only now telling

us. >> that's it. listen, with breaches in the normal world law enforcement always holds the trump card. they have the right to say, do not say anything until we have a better handle on what the problem is but the issue is, it's like a test. think of it when there is a credit card hack and try a small charge and then they do a big charge because the false charge worked, you have to say to yourself if you can get in a non-classified system in the white house, is it possible credentials could have been grabbed by hackers that could lead them into a more secure system based on the person whose credentials they were? gerri: one more question and out in california, a different story, another hacking story, we seem to have multiple hacking stories tonight. data breaches in california through the roof. some 18.5 million folks had their data stolen in 2013, which is 600% jump from the previous year. does this surprise you? >> no, no.

this is, it's getting worse and worse that, as technology advances we are also unfortunately handing the bad guys tools to invade our lives at an even greater level and california now, in fairness, of the 18 million, there hacks in particular, target and living social, that contributed to 15 of the 18 million. much but at the end of the day this is going to happen more and more. people will have to realize that we're now beyond prevention. it is all about monitoring and damage control. businesses have to think that way. consumers have to think that way. gerri: you have to watch your accounts, your credit card accounts, your bank accounts. look, i know people who do this every single day but at least once a week, once a month, look in to see if those charges are your charges. adam, thanks for coming on. >> thank you, gerri. gerri: still no answers surrounding last night's massive rocket explosion. have you seen this video?

the rocket was supposed to go on a supply mission to the international space station but look at this. bam. today crews are searching for debris left behind after this rocket exploded on liftoff on the virginia coast. officials at orbital sciences, that is the company involved, are hoping debris may pinpoint what went wrong. nobody was on board. nobody was hurt. investors are unhappy, the stock fell more than 15% today. now let the conspiracy theories begin. just hours after the explosion a russian supply ship arrived at international space station with three tons of food, fuel and other supplies. hmmm. coming up early predictions ahead of the holiday shopping season which kicks in just one month away. and next they're taking away the punchbowl, well sort of. the fed announces plans to end bond buying. what does that mean for you and your money? we'll have the answers coming up. ♪

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gerri: well, the federal reserve today finally shutting off the printing presses that is for bond buying. the fed ending its stimulus bond by what we call qe saying rates can stay low for a considerable time. greg mcbride senior financial analyst with bank rate.com. no big surprises there, greg. after a brief sell off. it was back to the race does for stocks. do you think that traders will stick with their analysis of what the fed did today. what did you make of it? >> you know, that's hard to say just because how many times, gerri, have we seen where the market does one thing after the fed announcement and once they have a chance to sleep on it the market does something completely different. i kind of shrugged it all off today. i wouldn't rule volatility tomorrow because while the big

picture things were what we expected, they ended the bond buying, they kept that considerable time phrasing there, and emphasized how data dependent they are. it read a little more hockish than i expected and certainly more hockish than last month. if investors sleep on that and come to the same conclusion, we could see some volatility tomorrow that we didn't see today. gerri: volatility means that stocks could sell off. they may go down. people don't use volatility when stocks go up even though it can mean that. >> nobody complains about volatility when the market is going up. gerri: that's right. nobody is complaining about that. so even the ten-year treasury note was up four basis points, barely moving here, not a big reaction. that's exactly what i want to look at as a bench market, a window into where rates go will go next. the fed said they'll keep rates close to zero

for the foreseeable future. can they keep to that? >> i think they will. the situation they're in right now, they have interest rates low. they have the stock market near a record high. inflation is low. i mean -- and, you know, with job markets improving, the economy is growing. that's not an applecart you want to upset. so they're not going to start to raise interest rates or even hint about raising interest rates until that timetable becomes very clear to them. one of the things they said again today that they've said throughout the year, there's not a date that's circled on the calendar. they're data dependent. if it comes in stronger than expected, it will come in sooner. if it comes weaker, that date gets pushed back. they don't have any better idea than the rest of us. gerri: and you say upsetting the applecart. it's darn hard for the fed to walk away from providing super low interest rates. if you're a senior

living on a fixed income this is bad news. because your savings are earning nothing. it's like the dperl government is really working against seniirs right now. that's what i think. what do you think? >> well, it's been six years, six long years of near zero interest rates. and you're right anybody dependent upon interest income it's been miserable. you've been earning less that night rate of inflation in most cases. i think the key -- that's not going to change overnight. the day that the fed starts raising interest rates. that's not the end of the story. these rates are so low. it will take a long time to get back to a level you're comfortable with. and you got to hope inflation doesn't upset that. if you haven't already, if what you need to do is have a diversified portfolio and garner income from that portfolio. also high quality bonds.

things like dividend stocks. real estate investment stocks. some of those have been generating a much higher income even in this environment. gerri: you don't have to do the old-fashioned stuff. i want to get you to a survey that show four out of ten americans haven't started saving at all for retirement. and i think partly it's due to this idea that the world is upside down. the fed is running the economy. the world is all up to one person, the federal reserve chairman, they're propping up stocks, keeping rates low. i think people feel like things are out of control and sort of unpredictable. four out of ten, not saving for retirement. what do you make of that number? >> well, that's alarming. and, look, this is something we've looked at a couple of months ago. more alarming than that number was some of the details, we found one in four americans between the ages of 50 and 64

haven't started saving for retirement. one in seven senior citizens haven't started saving for retirement. so, i mean, it's like peeling back the onion. the deeper you dig into this, the more disconcerting the numbers are. people have to prioritize retirement savings. yes, it's tough to save. particularly in a stagnant wage environment, but the bottom line is is that the burden is on our shoulders. we've got to do it. the days of defined benefit pension plans are in the past unfortunately. gerri: it's a dyi economy. you do everything yourself. greg, thanks for coming on. great to see you. and retailers gearing up for black friday. with less than a month away preparing for a frenzy of door bursting r busting deals. some of the biggest names are revamping black thursday

promotions. are retailers getting out of control? should you get off the couch and pounce on these deals? we're asking an dray walker. >> i hate shopping on thanksgiving. let me be honest about that. i think it's an awful thing. (?) but are they going to extend these deals make them happen earlier on thanksgiving? >> well, macy's has will announced they're opening their stores on 6:00 p.m. on thursday. that's similar to last year. we'll see the same store hours for those big major retailers. some stores have actually boycotted against opening on thursday, thanksgiving. costco, nordstrom, home goods, tj max. they're saying, we're not opening up. we don't want to do this. gerri: i think that's great. i think it sends the right message to people that employees should take a break on that day. all right, let's talk about discounts.

people want to know what to shop for. what kind of products will have the best discounting. >> when it comes to black friday, cyber monday, apple products it's the one time of the year you can find savings on apple approximate. whether it's amac macor iphone six. even the big box retailers like target and walmart. we'll see some little bit of savings a bundle deal maybe a gift card to influence that purchase with your apple purchase (?) gerri: they don't like to do that, this is the time of the year to pay attention. >> and video games and consoles. playstation four. we'll see some savings of 15 to 20 percent disownts also on those games. be aware of the bundle packages. they'll throw in a bunch of games to make the deal look better than it is. break down the cost. toys for kids up to

75 percent off. retailers will be price matching. compare across multiple stores to make sure you're getting the best deal. i love prices on small kitchen appliances. last year at coals, the black & decker 12 cup coffee maker was 999. so you can pick up those small appliances for really cheap. and brands like die son that don't typically discount, they will offer. they offered 25 percent off their nice vacuums. gerri: any other advice to maximize our holiday dollar. >> first of all, before you shop on black friday, research prices. retailers may inflate the prices of goods to make the discount look better than it is. you want to go in there smartly know what the typical prices are so you can take advantage of the good deals and turn away from any misleading promotions. check prices like i

mentioned. compare prices. several retailers like best buy, shack they fluctuated at 50 percent of the time and not what they did advertised. you want to stay on top of those. you can always stay on top of the deals by following retailers facebook and twitter feeds and opting into those promotions. if you shop online, look for online coupons. they offer additional deals with opening a coupon code. coupon sherpa.com. free shipping.org. so many deal sites to get those extra discounts. gerri: my favorite strategy is to wait until the last minute when all the discounting comes in. (?) >> i'll be the couch potato. >> that's a great idea. when it comes to winter aparallel, you're going to find better deals closer to the holidays.

gerri: thank you so much. good to see you. when we imhb, the fight on how to cover the ebola crisis here at home a quarantine is it the way to go. a debate coming up. here's your consumer gauge with the numbers that matter to you. check it out.

gerri: a state department memo zero alleges the obama administration is contemplating, get this, allowing non-us into s to get medical treatment for ebola. but doesn't this put our entire country's population more at risk. criminal attorney esther and psychiatrist dr. daniel bobbier. welcome to you both. i'll start with this question and we'll move to the question of whether quarantines are a good idea to begin with. dr. daniel let's start with you. should the us bring in non-americans from overseas and presumably

from west africa people who have worked for us companies or us agencies to be treated for ebola? what do you say? >> well, i think there's two separate issues. when you're talking about bringing people who are noncitizens in this country that we know are infected about ebola i think that would give me pause. when it comes to our own people, health care workers, we need to be somewhat open-minded and come up with policies that aren't too much of a burden for them otherwise they'll not be going to west africa to deal with the outbreak. gerri: i want to focus for a second on what i think is a shocking headline, esther that at some level the federal government is considering possibly bringing in people from other countries. now, maybe they worked for our federal government in west africa, maybe they worked for us companies in west africa. should we bring them to this country for treatment, esther? >> i don't have an issue bringing them to this country as long as the protocols are followed as they were when we

brought the doctor and the nurse over. as long as the facilities here, like emory, which did an extraordinary job curing the people they brought here, as long as they are willing to take on the responsibility, then i don't know why there would be a problem. and i don't know that we should distinguish between citizens and noncitizens. and frankly, the more people we treat here, the better we get at treating people. gerri: doesn't it put more americans at risk though? >> it's up to the hospital, i think. if they want to take on the risk, those would be the people exposed not the general population. gerri: unless we have a situation like we did last week with dr. craig spencer where he ran all over town before he got treatment. >> there's a difference between a citizen and a noncitizen. gerri: i know you guys have thought a lot about this whether there should be quarantines and it takes 21 days to really start

showing symptoms and to be contagious. dr. esther should there be quarantines of people who have been diagnosed with ebola or who are just coming here from west africa? >> well, certainly if they've been diagnosed ebola they need to be in hospital and not out in public. if they have not been diagnosed with ebola, but they have been exposedded to ebola or people with ebola, i do believe a mandatory across-the-board quarantine is in order. the problem is we have well-intentioned health care providers who have come back and who because of human error, have decided to put themselves out in the community. for example, when amber vinson was told by the cdc that she could fly when she really not have flown or when nancy schneider man went out in public when she knew better. no matter how well-intentioned people can be there's still human error. to combat that and not to have a, this person

gets quarantined and that person does not, i believe without hysterics we should i have a mandatory 21 day quarantine. gerri: what do you think, dr. daniel, lots of anger. should we quarantine people? >> well, you know, there's human error. there's also not being truthful about your health history and not acting according to when you know you've been around people who have been indispectd sort of going all around the city. that's a separate issue. we need a mandatory quarantine on people, but after they've tested multiple times for the virus and it's found to be negative, i think we need to be sensitive about this. the thing is more contagious is fear. fear is what is contagious. we need to be making sound policy decision based on the science and not on hysteria. gerri: you guys both sort of agree on this point. i know people are debating the and federal government -- new jersey is going to get a

lawsuit over this. thanks to you both. thanks for your time today. appreciate it. well, while the government's response to ebola will likely be a fabricator in tuesday's election, if you look at the ads on the air, obamacare will also play a very big role. is it a factor in your vote? here's what some of you are tweeting. thomas: one of several, but a large part. so, yes. and another says says: hashtag aca is one factor directing my votes. it will reflect my disgust of the obama presidency. yes, our health care costs have gone up and obamacare is atrocious. >> michael: that is only a piece of pie of things wrong with washington, dc. it's time for a change. still to come, my "2 cents more."

gerri: yes, breaking news on the auto industry. us lawmakers are calling for an independent review of nhtsa. that's the organization that regulates the auto industry. the national highway safety administration. they wanted to know whether it can do more to manage product recalls and to detect flaws. some six lawmakers are asking for this. they aren't just republicans. they're democrats and republicans. asking for a review by the gao, the general accounting office at nhtsa. lots of complaints about nhtsa. jack of kkb executive editorial director there. a perfect person to ask about this breaking news tonight. we keep reporting, jack, on all these recalls. we have more for you to talk about tonight. but, first, is this the

right thing to do to really investigate nhtsa and see what's going on there? why haven't they been more effective at policing the industry? >> the spotlight has turned. it used to the manufacturers and now it's on the government regulators. what's going on? a lot of people are askkng, both in congress and general civilians wondering why is this continuing to happen. why are we seeing this and why hasn't more been done? gerri: you think about gm with its some 30 million recalls. the takata recalls. all kinds of lines of cars. all kind of products. i have to say, i think a lot of questions now being raised by nhtsa, and the first reaction you get, the first line of defense for that agency is, we just don't have the money or resources to do the job. jack, is that true? >> i think it is true. i think those people are absolutely dedicated to

doing what they can do. i think here hemmed in by budget. they're hemmed in by the size of this industry. look at the number of cars on the road. look at the numbers of cars that are bought each year and look at this is a gigantic task. it's hard to conceive of any entity that could deal with it really. gerri: you make a very good point. that's exactly what -@these will d legislatures are asking for. to what extent is nhtsa adapted to new developments in automotive technology. you know, we mentioned takata air bags. that's new technology. the problem is that the shrapnel bursts out of these air bagss when you look at the issues of developing technology in cars, this is the toughest thing for them to deal with. >> well, there are unintended consequences for a lot of things. air bags are saving many more lives than they're taking. the fact a piece of

safety people is killing or injuring people is tragic. and, you know, people won't stand for it over time. so getting to the bottom of it, you know, making sure that consumers respond to these recalls is another important issue that hasn't been well-addressed yet. gerri: so we had you on, booked you or recalling suvs with a problem with the fuel tank. chrysler has -- we'll show some of the makes and models that recalled this. what's going on? is anything safe? >> well, cars are very, very complicated and more complicated than ever, and, again, most cars operate just fine. there is a bigger abundance of caution now than ever vertebra so before so we're seeing more cars recalled than ever before for issues that would have not garnered a safety recall than ever before at the same time there's some stuff that is very concerning here. gerri: thanks for coming on the

show tonight. great to see you. >> my pleasure. gerri: we'll be right back with my "2 cents more" and the answer to the question of the day. will obamacare be a factor tuesday when we all go to the polls?

gerri: and finally fed may have ended its bond buying program, but it's pumping up the economy. approximate the fed keeping interest rates near zero for a considerable time. why? they say it's because of the job market is improving and inflation is low. yes, you heard me the fed is worried that inflation is too low. apparently you're not paying enough for things like food, clothes and medicine. and retirees forget about it, you have to remain under duress, the record highs on wall street thanks to the fed. the markets barely budged when qe was over. maybe it's time to stop worry about wall street and remember your policies are hurting

main street. that's my "2 cents more." that's it for tonight's willis report. thanks for joining us. don't forget to dvr the show if you can't catch us live. have a great night. charles: i'm charles payne and you're watching making money. the pentagon announces a mandatory quarantine for all soldiers returning from west africa. right now 42 soldiers are quarantined. rich. >> good evening, charles. president obama warns that others will contract ebola outside of west africa. we may even say more isolated cases in the united states over the next weeks and months. a strong defensive his decision for mandatory quarantine for health care workers returning from west africa. it's impossible for the united states to medically seal itself off. despite criticism for quarantines and travel