the existing bailout deal. we'll see. david: we will see. some people are worried if they do sign a deal, maybe italy, portugal and spain will be following. larry, thank you very much. liz: the "willis report" is next. we'll see you tomorrow. >> hello, everybody, i'm gerri willis. and this is "the willis report, the show where consumers are our business. the wobbly economic recovery now held ransom by unions. labor dispute at west coast ports causing bottlenecks and backlogs with consumers on the hook for it all. >> a shutdown of america's west coast ports even for a short period of time would have devastating economic consequences. >> your best defense from hackers is to freeze your credit. >> if you really want to do something to keep the criminals out of your business, freeze your credit. gerri: how do you do that? >> we have the upside and downside of a credit freeze. fight over measles vaccine spreads to capitol hill. will congress force parents to

vaccinate tear kids? >> too many parents are turning away from sound science. vaccines save lives. >> also, america is running out of organic milk. what is causing the shortage? when will it end? we'll investigate. new movie plans for an iconic american superhero. spider-man fans go wild. all that and more coming up on "the willis report" where consumers are our business. we begin tonight with news that the federal government is set to scrap over 40 years of traditional guidelines concerning cholesterol. that is in our diet. "washington post" reporting tonight that the feds are about to withdraw longstanding warnings about eating cholesterol laden foods like eggs dairy and meat. some say the guidelines have been wrong for decades. we have resident cardiologist,

dr. kevin campbell. welcome to you both. this story blew me away. dr. kevin, start with you. 54 years we were told that cholesterol ladens your arteries with gunk. it gives you a heart attack. were we wrong all this time? >> we do know cholesterol does lead to heart attack and stroke but dietary cholesterol we don't have enough data to make sweeping recommendations. gerri: what is the difference between those two, dr. kevin? what do you mean? i don't understand. >> our bodies make cholesterol process cholesterol and we also eat cholesterol. almost 25 to 30% stress troll problems are genetic, not dietary, how we process cholesterol. gerri: that is news to me. i wish federal government told me some time ago before i gave up butter. dr. phil, i'm sorry you're not a doctor but i think you are a

doctor because you are so expert about your information. last time we had a guideline on cholesterol, people stopped eating eggs. egg sales went down 30%. what do you expect the impact to be this time around? >> confusion. i think biggest problem we have with any kind of news tricksal claim is that we don't get out that whole story. exactly what you said, gerri, we get a little headline of it. to your point, we saw eggs drop. average american consumed about 421 eggs back in 1940, 1945. and in 2012 it is down to about 250 eggs per capita. but the reverse is also true. remember olive oil. when the study came out showing olive oil could raise your good cholesterol, olive oil sales went through the roof. so it is about how it will be communicated, not the science. agree with the doctor. it is the science has been out there for years and people have been complaining about this, whether it is the meat industry,

whether the poultry industry. certainly the egg industry. butter industry but it is not that. it is how we will communicate this change effectively so everybody all of sudden, even those people who are at risk, who might have diabetes or risk of heart disease stop worrying about cholesterol. >> you know, i guess the pyramid is dead. haven't we already changed it once under president obama? i mean how could we be so wrong for so long? dr. kevin, fat and cholesterol that is good. we replaced it with sugar and caches. what did that do to our bodies? we couldn't eat cholesterol the government said it was bad so we replace he had it with sugar and carbs. doesn't that make us fat. >> it does. obesity is $150 billion of health care costs every year. obesity and obesity illness. when when he eat sugar laden and

carb related foods that is health problem. agree with the our other guest. we're not getting information out appropriately and patients are confused and they don't know what to do. gerri: don't know what to do. phil who do you think people really believe on issue of diet these days? every time i talk about the most recent study on xyz people look at me and roll their eyes. >> unfortunately, gerri, they believe dr. google. that is where they're going for information. you know, they're not going to a physician. they're not going to a registered dietician. survey after survey shows that people trust information on google of which maybe half is true and half are paid ads more than they do even a doctor. so we really need to step up to the plate how we're going to communicate this information. and it is not the pyramid we're talking about. we're talking about the nutritional facts label, the recommendations on the side of every single package. and that's where it will hurt people to not understand. >> the phil, before you go,

quickly, we don't have a lot of time organic milk big shortages, wanted to ask you since you're the guru on supermarkets, why is this happening, a, and does it really matter? is this stuff really that much better for you? >> well, let me answer your second question first. keep in mind most people actually buy organic milk to get rid of growth hormones that are used in milk. very few milks today have growth hormones or rbst. so read the label. if it says no rbst no growth hormones you don't have to buy organic milk if that is your reasoning. it is all about the shortage of water in california. california represents 21% of all the milk that is sold in this country. there is no grass out there for these cows to eat. they have to be out there at least 10020 days in the wild blue yonder eating fresh grass -- 120. there is no grass. milk will be up over $5 when it

comes to organic. gerri: phil, we'll let have you go. dr. campbell some cog back for another segment. i gave you short-shrift. eggs bacon and butter, baby. let's go. this is good news. a lot of people feel the same. thanks guys. >> thank you for having me. gerri: to the west coast where union workers are holding up major ports for ransom in a nearly nine-month dispute against shipping companies. they are using improving company to bilk more employers out of benefits with rising prices for consumers. we have fred barnes, executive editor for "the weekly standard" and peter morici, economics professor at the university of maryland. welcome to you both. fred, to you first, this is pretty ugly. nine months the talks have gone on. more than 20 ports are involved here. tell me how nasty is this impasse at this point and what kind of tactics are the unions using? >> the big one is a slowdown where they delay and they claim there is bad equipment and so on but slow down their work and

that has been going on for four months. it is beginning to have a real impact. and these longshoremen, they're not exactly people having trouble putting food on their table at home. they make average wage of 147,000 a year on the west coast. they get fully paid health care and so on. and they have been offer ad 14% raise over five years. that may not sound that great but they're already well-paid. they also, will do well in any event because there is plenty of works, if they want to come to work and do it. gerri: that's exactly right. >> they have create ad mess that is hurting the economy hurting retail years economic questions with peter morici. i read and we just showed up here on the screen that west coast ports move something like 12.5% of gdp. that is unbelievable amount. what happens to the economy? is this a stranglehold on business? >> well, unions and longshoremen one are strategically located at

choke points in the economy. they're only 7% of the private sector workers. they're in great spots. oil refineries where there is work stoppage going on. now here on west coast. it impacted, putting stuff on shelves for christmas. raises prices and availability of things like electronic components and goods television sets apparel so forth. there also an export side. that is not just consumers. california growers that supply rice and almonds to other products to the world. they have trouble getting products out. products spoil. lose orders. people in asia look for more reliable source of supply. america is becoming a questionable place to buy from the form. gerri: that is bad news. i want to show folks a couple of numbers is that are important. retailers could lose $7 billion because of what is going on at these ports. dispute will cost beef, pork producers $30 million a week. $30 million a week. that is bad news.

fred, to you as you look at largely fellows people work in the industry moving materials through the ports is kind of critical, as peter morici says, they have a chokehold. they're in very important positions. how well off are they? >> well, look they're doing extremely well. i think on west coast 20,000 of them. doing very well. now they want to have a stronger position in dealing with the shippers. and, they want to make sure that they can fire any arbitrator who comes in to handle a case involving them and their employers. i mean that means to be guaranteed a good outcome. gerri, they can get away with pretty much everything they want, one, because they're a monopoly. two, because of the regulators in washington and in the obama administration are very very friendly. gerri: i guess they're friendly. peter to you, what is the end game here? >> the endgame they will try to squeeze us for about as much as

they can over next two years until they get the kind of deal they want, mr. obama, he has federal powers to do something about this. he can intervene or can impose an injunction. but, or sequel from the courts. he will not do that because he is so union friendly. this absurd situation. they earn three times what the auto workers earn. auto workers are considered aristocrats. you don't have to have a high school education. watch a movie at home. take out the mob. you have the longshoremen. gerri: you guys are good. thanks for coming on. good to see you. >> you're welcome. gerri: still a lot more to come this hour including union pensions under pressure. will taxpayers have to bail them out? and next we answer the question how do you do that? with number of data breaches coming up how do you freeze your credit and can it save you from being breached? tweet me @gerriwillisfbn.

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that's what i'd like to do. ♪ gerri: you watched as major consumer companies get hacked. target home depot now even health insurance anthem. that is a giant in the the insurance industry. and now the obama administration 12 months after target was hacked is saying they have a solution. they're going to create a government agency. but who knows how long that will take to become reality. and if it will even work. last night consumer expert right on our air, clark howard gave some important advice that you can use right now. >> all you can do is protect yourself. go through the process of freezing their credit. you know, anthem has done what corporate 101 is. well we've give you credit monitoring or whatever. that's a joke. >> that is a joke.

here with tips how to freeze your credit is bank rate chief financial analyst greg mcbride. greg, first define what freezing your credit is. what does that mean? >> freezing your credit in contrast to say a fraud alert, fraud alert is putting a do not enter sign on door. freezing your credit is like closing the door locking it with a deadbolt and a padlock. nobody is getting in. basically prevents anybody from accessing your credit report for new credit. unless you thank you that credit report which takes a about a 24-hour period. gerri: talk more about freezing credit. does it affect my credit score? can i get a loan? am i done myself because i've frozen my credit? >> here you it doesn't affect your credit score in any way. now, where it does come into play is if you are at department store and they say hey, sign up for our credit card, get to% of today's purchases. if you have frozen the credit report that is not happening because once that credit report

is frozen you have a pin that can thank you that credit report, make it accessible again but there is typically about a 24 hour turn around there. and you got to pay. you have to pay to freeze it. you have to pay to unfreeze it. round-trip you could pay up to 20 bucks freezing and unfreezing. in terms of getting a loan you could still go apply for a loan but you have to be thinking ahead. tough thank you that credit report. go out and apply the loan, not other way around. gerri: get down to one two, three, how to do it. first you have to do is call the credit reporting agencies. we talked about them before. ex-which fax, experian transunion are the big ones. literally each of those companies have lots and lots of credit scores for different kinds of companies. they're maintaining a lot of data. you can contact them directly. tell them this is what you want. what is one two, three, making it happen. what do they require that you give them? >> in terms of freezing the credit reports, this is different from putting a fraud alert on. you will actually have to

contact each of those three credit bureaus all three of them to put the freeze into effect. with a fraud alert you tell one it carries over to the other three. that is not a case with the freeze. you have to notify each of them. depending which state you're in, what age you are, whether or not you've been a victim of identity theft putting this freeze into effect may cost you money. may cost you up to $10 with each of credit bureaus. could look at max to $30 to freeze all three. do it by contacting each of those credit bureaus. if you ever want to unfreeze it for applying for credit getting a new job apartment cell phone, whatever, they give you a pin. you use that to unfreeze the credit report but again you have to pay that fee to thank you it as well. gerri: do you agree with clark howard, that is the ultimate solution to having your personal identity stolen and used to open credit lines for somebody who is thief basically? is this thing at that works the best? >> if your goal is to keep

people applying credit in your name freezing credit report is single best solution. however important to understand, this will not prevent all aspects of identity theft. it will not prevent tax i.d. theft which is particularly rampant this type of year. it will prevent people going out to apply for credit in your name. simply freezing the credit report, nobody can apply for new credit. gerri: greg, quickly, 80 million people hit with the anthem breach obviously. really concerning because it includes social security numbers, so many folks, millions and millions of americans at risk with other retailers other consumer companies. is it practical to think that i could just maintain a credit freeze all the time and only remove it when i'm getting a loan, when i'm applying for credit card? would that be a good way to operate given the kind of world we're living in right now? >> well, if you have been a victim of identity theft, absolutely. but if you haven't been i think you're really going to have to assess that with regard to your financial lifestyle.

how often are you in the market for new loan or apply for new credit cards? are you in market for new job? are you changing apartments? those kind of things. all of which require pulling a credit report. in that instance freezing credit report may not be too practical. gerri: case-by-case basis. greg, thanks for coming on the show. >> thank you gerri. gerri: thank you. and now we want to know what you think. here is our question tonight. will another bureaucracy. another government bureaucracy prevent cyber attacks? log on to gerriwillis.com and vote. i will share results at the end of tonight's show. we're looking out for your money. details about a knew group of consumer loans offered by a group of small banks. we warned you about unions using improving economy to squeeze out more benefits from employers. now their pensions are under pressure. will taxpayers have to bail them out? stay with us. you get sick you can't breathe through your nose

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gerri: union pensions are under pressure tonight. according to the labor department hundreds of plans are either endangered or in critical status due to dwindling funds. here is my worry. taxpayers are we going to be on the hook for a bailout? we'll ask "national review" columnist john fund. you spent a lot of time studying this. tell us how about is the situation? >> 27% of multiemployee funds are on the critical list. that means they could go under because you don't have enough union workers putting money into the pension to pay for all the retirees stacked up over the years. >> is there more going on than just that? also has the money been mismanaged? is it a case of they lost dough during the downturn, 2006, 2007,

2008? >> all of that put together, yes. the teamsters multi-state pension fund, for example, notoriously mismanaged. some corruption involved. in addition some union funds invest for political or social reasons. they don't necessarily seek highest return. they seek green energy investments and other things f you're looking for something else than interests of retirees you're not doing your job properly. gerri: that is not the way it is done in real world. you don't manage money that way. >> potential bail if things go south, could equal what tarp cost us in 2008 and 2009. gerri: come on. what kind of number are you looking at? >> hundreds of billions potentially. gerri: where will that come from? >> i don't think the congress we have now would pass. that but there were would be enormous pressure -- gerri: to do so. >> or make some kind after special legal provision for them to tide them along. i fear that what happened in

congress in december they let the unions, rather than fix the problem, long term they allowed the unions to say, we can cut benefits for current retirees. that is very cruel. a lost people depend on income. unions really need to clean up their long-term act, rather than have a short-term fix. gerri: what do you want to see them do specifically. >> act like other pension plans. operate by same accounting rules. invest for highest return. clear overhead out. a lot of these pensions have overhead and fees. maybe there should should independent administrators. gerri: who has a ben pen shin? most of us flood along in a 401(k). >> a lot of union people do. god bless them i'm glad they have it. they're not served in many cases by people trusted with that responsibility. gerri: we'll have to bail them out. union membership plummeting 11%. 235 plans in danger. a big problem looming on

horizon. >> this is when the economy is in good shape. imagine if we have another downturn. think if we go into recession. gerri: john, thank you. new developments on picture that went viral. we showed this to you. a picture after target worker showing a young man how to tie a tie for the teen's job interview at local chik-fil-a. the young man is named moore. he went back to the store with his mom to thank the target team who helped him get ready for interview. moore said he listened to job advice from employees. had two interviews with the restaurant chain so far. he is on a next step in the interview process. not done yet. boy looks like he is doing a good job. our thoughts are with him. later in the show, which superhero is singing to marvel tunes and tired of big banks squeezing them out. small banks are teaming up to offer consumer loans. we'll hear their pitch for your business coming up.

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gerri: welcome back to the willis report. in a moment, details of how a group of small banks is teaming up to offer consumer loans. but it's time now for a look at other stories in the news. newsweek's twitter hacked by isis supporters. the hackers threaten the obama family. cyber caliphate has claimed responsibility. this is the same group that took over the pentagon twitter last month. and the governor of massachusetts is activating 500 guardsmen to assist in snow removal. they have 65 inches of snow in the past weeks. more snow expected. health care is being listed as a high-risk for the first time by a government watchdog. according to usa today a report puts the federal program on high

high-risk for poor health care and delayed doctor appointments. home depot looking to hire 80,000 seasonal workers. it is expecting a surge in store traffic as the weather warms up and homeowners start new projects. those are some stories in the news tonight. great news for consumers, millions of americans have a new way to get a loan tonight. don't deal with a big wall street bank or someone sitting in an office thousands of miles away. a group of local banks are teaming up with lending club to offer -- which manages the new cooperative. thank you for being on the show. tell us how this cooperative will work and what small banks will be doing. >> great to be with you. the way it works is technology empowers these banks to do something they couldn't do as recently as a couple years ago. twenty-five years ago, these small banks had

78% of all the consumer loans on their balance sheets. they've lost almost all of that over the past 25 years. gerri: we have a full screen showing you the loss of market share of these small banks down to 9% in 2013. individual consumers like the small banks because they are often just a little bit more i guess -- they're not as rigid in the way they give out loans. so what's new now? what's different now? >> well, the technology enables each of these banks, each of these smaller banks to do what the big guys could do a year ago. so by teaming up with lending club an innovative low-cost consumer lend we lender, they could offer loans to customers that they wouldn't have to scale to do. that allows them to deliver dramatic savings. they will see their interest rate go down

from 19.9% to 12 or 11%, just dramatic savings. >> oh, my goodness. that's huge. what kind of loans will these small banks put out using this service? >> these are consumer installment loans. typical installment loans. >> like? car loans. >> well, it's not a secured loan. it's like a credit card loan in the sense that if a loan to the consumer, not secured by their property. but it fully amortizes the borrowers don't get the benefit of the interest rate but by paying down the debt a little bit over time they improve their financial situation. gerri: the banks will be making loans for say, a small business maybe or what kind of uses will the money have? >> so some of the times consumers will choose to use this loan to pay down more expensive debt, credit card debt and the things. sometimes it will be for home improvement.

upgrade to the kitchen or things like that. it will be loans that range in size from, say $10,000 to $35,000 for those kinds of situations. gerri: got it. i think this is something that consumers have been looking for for some time. it's normally the bank on the corner that's willing to help you. let's say you don't have a w-2 you can turn in. maybe you work for yourself. you don't have conventional financing typically. you're looking for help. how do people access this? >> you can go to lending club or go to your local community bank that is a participant in this program. that will roll out over time. in addition our banks in the network, this nationwide network of more than 200 banks will be delivering to their customers information on how to participate in the program. gerri: awesome. interesting stuff. can't wait to hear how it works out. brian, thank you for coming on the show. fbn's new hit, "strange inheritance" with jamie

colby. jamie talks to the man that inherits the gun that bonnie and clyde carries into their final shoot out. he wants to auction them off, but it may not be legal. >> this is what i was talking about. >> whoa, you promised guns. you have a lot of guns. >> guns galore. >> what is this gun? >> this is a sawed off shotgun that was carried by the barrow gain. >> like bonnie and clyde? >> whoa,itwhoa it's heavy. >> catch "strange inheritance" at 9:00 and 9:30 p.m. on fox business. the reason why ex--spokers are hoarding nik products. should congress force parents to vaccinate their kids. here's your consumer gauge with the numbers that matter the most to you. check them out. we'll be right back. ♪

♪ gerri: we've told you about the big measles outbreak going on. right? a senate committee heard from leading health experts tackling the issue of vaccines. they reported 149 cases of measles. most people that contracted the disease were not contracted against this. joining me now to discuss the trend a physician. dr. philip great to have you back. so are you expecting much to happen out of the senate hearing? >> well, they've made some very good points. i think we need to emphasized these, gerri. they made the point that vaccines are completely safe. in 1988 there was a doctor who said there was a link between vaccination and autism. although that was made in a respectable journal

in 1988, we hear people thinking there's an association. there is not. many scientific bodies say that's not the case. the vaccination for measles, it's extremely safe and effective. and there's no association with autism, that's being discredited on many occasions. gerri: i have to tell you, i have heard this a number of times. still hear wealthy, well-educated girlfriends saying, i don't believe it. i'm not buying it. do you think the senate committee can reach people who have that point of view? >> i hope so. we have a duty as the medical profession to educate people about this risk and emphasized that prevention is better than cure. the problem with this measles outbreak, gerri, it's not a problem with the vaccine, it's a problem with those not getting the vaccine. it's very effective when it's given. if it's not given and people who are not getting the vaccine they tend to be in clusters. children who are un-- gerri: hanging out with other

children who are not vaccinated. which leads me to my next question. this is the idea of the measles parties where kids go to get infected. i do not understand why anyone would do this. what do you make of phenomenon? >> well, it started in the 1980s when people had pox parties to try to expose children to chicken pox. i understand where the rationale comes from. if they expose kids to meustles they'll build children's natural immunity. it puts a child at unnecessary risk. the vaccine is much safer. we must not forget that people who get measles a large percentage of those children gerri it's a self-limiting illness. for a percentage of children, it can result in serious complications. pneumonia. inflammation of the brain. gerri: twenty-nine shots for kids is what they're getting in the space of maybe six years. as little toddlers as

children. and parents are reluctant to do that. they think children are being traumatized by that. what do you say to them? >> i think the importance is that this vaccination, this schedule is being carefully looked at. some children get no vaccinations at all. the problem is delayed vaccinations. delaying the process you must talk to a pediatrician talk to your doctors. but we strongly emphasize to get the vaccine as soon as possible. gerri: thank you for coming on the show. on to another hot health topic. an estimated 21 million people, 45% of us smokers attempt to stop smoking. now quitting might be harder. a nicorette shortage -- truly a nicorette shortage is sending people searching high and low for the product even resorting to hoarding and

stockpiling. cardiologist kevin campbell. i was shocked when i heard this. why is the product disappearing? what's going on? >> you know, the manufacturer tells us that there were quality issues. they thought that some of the lozenges actually had more nicotine and some had less. they couldn't deliver a product that provided an absolute certain amount of nicotine. and they were concerned about that. gerri: well, makes sense. what happens when you're an addict of these nicotine products and they disappear? >> you know, i think it's the same thing as stopping smoking. it becomes very difficult. you're addicted to the nicotine, the drug in the tobacco and the lozenges. this argues for the way we have been misusing these products. these products are intended for 12 weeks of use, we're using them for years. that's the problem. gerri: that's what shocked me. i know people who use these lozenges for years and years and years. is that as bad as smoking? >> so it's not as bad as

smoking in one respect. you don't inhale all the tars and all the dirty things into the lungs and you don't expose yourself to the risk of lung cancer. however, nicotine still raises blood pressure. causes damage to the inside of the blood vessels and leads to heart attack and stroke. in my mind, it's a mixed bag. gerri: wow, i had no idea. they say they'll have the product back on the shelves in april. some of it later this year. why does it take so long. just making little lozenges, how hard can it be? >> i think they are probably trying to overhaul their quality assurance protocols. and i think that is good for consumers. this gets to the root of the problem. when you want to quit smoking, you need to partner with your health care provider. set a quit date. set a process and use these drugs as tools to quit, not as a

substitute for the drug. gerri: they voluntarily recalled the lozenges, citing the quality control problems you mentioned. they expect the full, sized lozenges to be on shelves later this year. which of these cessation products do you like the best? which have the best safety profile? >> i like the nicotine patches. because it's pre-developed drug doses from 12 to 21 days. put a different patch every day. it actually weans you off the drug in a three to four-week pattern. it leaves it to the patch. i think they're effective. nothing works unless the patient decides i want to quit today. when that happens, you can make progress. gerri: that's the real issue isn't it? that's what it really comes down to. the lightbulb really has to want to change.

right? >> it does. and i think it requires so much support from family and from physicians and coworkers. you can't have someone smoking in the house if you're going to try to stop smoking. it's a commitment by everybody and a smart thing for all our viewers to try to do. gerri: dr. campbell, thank you. a superhero reboot. spider-man. spidey swinging into marvel films. what this means for your neighborhood spider-man in the box office. coming up. ♪

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♪ gerri: well, you might be seeing a beloved superhero with a few

new faces soon. sony pictures who own the spider-man movie franchise are collaborating with disney marvel entertainment. what will it mean for spider-man? michael right here on fox business. he's the host of in the fox light. thank you for coming here. (?) >> it's a very serious issue. gerri: it is a big issue. >> it is. big issue. a lot of money at stake. gerri: disney owns the world now. >> they do. gerri: how long has this been in the works? what does it mean? >> you know, from what i can tell, it's been in the works for some time, especially because of the last movie that opened up last summer. there was a spidey summit believe it or not. talks broke down. the history of this thing. sony bought the rights for spider-man for $7 million for marvel. $4 billion as a franchise. it's been a huge

success. gerri: yeah, but michael the reality is it's now losing money. not losing money. they're not doing as well. >> they kind of came against the roadblock. in terms of creativity. gerri: it's a business channel. i'll get you to the numbers. 576 million in 2002. what's going on there. >> the most recent film 2014 made about 230 million domestically went on to gross a few more globally. it cost 255 million on top of 150 million-dollar budget. gerri: shut up. >> so this opens up all sorts of creativity in terms of where they can take the character. >> they'll put the character spider-man as a player, as a player in other movies. >> they call it the marvel cinematic universe.

where all the movies are going right now. sony was out on its own with spider-man by itself. ironman has thor. warner brothers has superman and batman. gerri: i'm sorry. i love these. i have the taste of a 12-year-old boy. they're so much fun and so silly. yes, they're violent but who believes this violence? nobody. >> it's fun. and increasingly risk averse hollywood they like to lean on movies like this. these translate really well overseas where 70% of the box office actually comes. gerri: all right. i want to ask you about this weekend box office. what's going on? >> a strange battle at the box office. "50 shades of gray." it's tracking about $60 million. probably come in at number one. twentieth century fox did something aggressive. they're opening a brand-new franchise called the kings man secret service. did not cost a lot of

money to make. (?) it's targeting 12-year-old boys. you, gerri you're their audience. we caught up with the cast. and they said why this is the better date movie this valentine's day weekend. >> this is a better date movie than "50 shades of gray." you can't make the kings man at home. you can make your own version of "50 shades of gray." >> there you have it. samuel jackson. i would not be surprised if we see that this movie will overperform what it's expected to do. it's entertaining. r rated. not for the kids. some gratuitous moments. be aware of that. gerri: we have to have all the facts. michael, you're just the person to tell us that. thank you. good job. we'll be right back with the answer to the question of our day. will another government bureaucracy prevent cyber attacks? stay with us.

gerri: welcome back. you're fired up about president obama's proposal for free community college. here's some of your emails on the topic. francis says this, taxpayers can't afford to pay for student's colleges. the student loan forgiveness debt is over a trillion dollars. just how much more do they want? joel sounds off: no government program is free. free community cloj is just another carrot dangling for votes. can't agree more. send me an email. gerriwillis.com. to monitor cyber security threats. will another government bureaucracy prevent cyber attacks? here's what some of you are tweeting? animal says, no, more bureaucracy equals more taxes. and we're taxed enough already. karen agrees, we don't need more agencies. that is not the answer. on facebook, chris: no. they have not prevented

anything yet and if anything exacerbated the situation. why can't the people who are already paying get off their butts and do this? in addition to following me on twitter and facebook, be sure to like fox business on facebook. we ask this question on gerriwillis.com. 2% said yes. 98% said no. will another government bureaucracy prevent cyber attacks. log on to gerriwillis.com for the online question. long lost artifacts have been discovered in a bag in neil neil armstrong's closet. she discovered a treasure trove of monthment owes. power cables. the camera that was mounted in a lunar module window which recorded armstrong's famous moon walk. thatthe articles are on display. thank you for joining

us. don't forget to dvr the show if you can't catch us live. making money with charles payne is next. have a great night. (?) ♪ charles: i'm charles payne and you're watching "making money." the market breaks out of that tailspin. dow up 140 points at the end of the day. sparks, first one greece back in the news. may catch a break on that debt. i think they'll stay in the euros. coca-cola, cvs, starwood, many, many more. apple makes history. the first 700 billion-dollar company in the world. first, let's go to nicole petallides on the floor of the new york stock exchange. nicole. >> charles, a great day indeed. we saw the dow up 140 points. the dow and the s&p about 1% off of their all-time record highs. the dow, the nasdaq, and the s&p in positive territory for 2015.