way across the board. >> of course, how many more normans are out there are in both of the guys. >> great stuff. we'll enjoy seeing your stuff on the campaign trail. blake berman, good to see you. >> the "the willis report" is next. gerri: hello, everybody. i'm gerri willis, and this is "the willis report." the show where consumers are our business. we all dread it tax day tomorrow. and just one thing is worse. where are all the tax dollars are going? and the trouble doesn't end at irs one congressman gives inside look at the waste fraud and abuse at the va in his district. >> today, we know this our entitlement system is out of control. its growth is not sustainable. gerri: he hasn't announced he's running, not yet. chris christie take the stage today calling for changes to an issue most politician are

afraid to touch. our political panel weighs in. a simple step to keep hackers away from your devices? plus advice before your next hospital visit on what to do when the insurance company doesn't pay? all this and more coming up on "the willis report" where consumers are our business. friends, we 3r 1 hours away from the deadline to file your taxes. if you are one of the last minute filers frantically running around trying to get this done, there is one question that may occur to you. where exactly are my taxpayer dollars going? here to answer that question is heritage foundation tax policy expert curtis debay. welcome back to the show. always good to have you here. where does my money go? >> well it goes to all sorts of things. i think taxpayers would be surprised to find out a lot of the money goes to entitlement programs like social security and medicare. people think they pay for them during working years and get

the benefits back after they retire. it doesn't work that way. they're pay as you go programs. you pay during the working years to fund the benefits of those who retire today, and when you retire, current workers pay no taxes. gerri: curtis, i got to tell you you'll get an argument from viewers who believe they put the money in the system they should be able to claim it when it's available. take a look at the list social security per person claiming about 2800 bucks. medicare 2100. food stamps 241 bucks. other welfare programs $2500. defense 1700 edtation 1300 and you got to pay for all, this right? the net interest on the debt which is 17 trillion dollars, 868 bucks. so you look at these number us and think there's all they do is go up every single year and in fact what you find this year, the federal government is collecting more from us, but they're also spending even

more. tell us about that. >> yeah, of course during times of economic expansion, the tax burden grows, the economy has been growing very slowly for about five or six years now. the tax burden has been expanding. that's why we get in the situation where we have big deficits, even though we have record high cash revenues. the only way to get the tax burden under control is to get the spending under control. the way that government should spend what it brings in in taxes. it spends as much as it wants to spend. men and women in congress as much as they want to spend and bring in cash revenue and the resulting deficit is it is what it is. the explosion in the spending of the entitlement program social security and medicare means deficits and debts will reach unseen levels in the near future. gerri: essentially, we have

given the government 9.7% more than last year. same time of the year first six months of the year take a look at this. 642 billion dollars. individual taxpayers, not the corporations out there. so those numbers have gone up dramatically. i want to make a comparison here because it's fun to look back at history, right in the tax code is 102 years old. and when it started out, the highest tax bracket was 7%. today 39.6%. how did this happen? it seems out of control to me. >> well, yeah, so taxes are going up but have grown over time. the progressive nature of the taxes has gotten more and more progressive as things have gone on and we're at a point where we desperately need cash reform to get things under control. unfortunately, there is not a lot of appetite here in washington. mostly from the president's position to push tax reform. so unfortunately i don't see a

lot of relief coming any time soon. gerri: darn it i was hoping you would bring us tax relief on the eve of tax day. curtis, thanks for coming on, so good to see you. >> thank you. gerri: and now we want to know what you think? here's our question tonight -- i'll share the results at the end of tonight's show. and onto politics. hillary clinton kick off her first campaign events in iowa today but no flashy rallies or rubbing elbows with big donors instead meeting everyday americans at coffee shops and colleges. with more on this guy benson senior editor for townhall.com and dan heninger of the "wall street journal." dan start with you, it's like fingernails on a chalkboard when i hear her talk about everyday americans. >> she has to talk about everyday americans gerri.

it is more of the same. more big government. it's going to be pretty much what you guys were just talking about. she's going to propose more programs, bigger programs, and it's interesting why. she is running in an environment of economic anxiety. no matter what the stock market says. poll after poll suggests the average person out there feels stressed. their incomes aren't rising. and hillary clinton's message is going to be we're the government and we're here to help you. gerri: i want to interrupt you there that's the point i want to focus in on with guy here for a second which is that the economy is no great shakes, employment is not that terrific. a lot of elements trend downwards and not up. it's entirely possible that what we've been describing as a recovery is turning into something else entirely. to what degree is hillary going to have to defend obama's economic policies and how the holy heck can she do that? >> you're right gerri.

a mixed bag on the economy. what you'll see from hillary is a lot of defense when it comes to obama's record look, we were in such a bad position after bush look how far we've come. of course it's not far enough. i'm going to finish the job that president obama started and that's her line. and when you talk about everyday americans average americans that she wants to champion, this is what she says in opening video, i found it interesting that today in iowa she was blasting ceo pay, which, of course, is sort of a typical demagogic class far fare populist message to strike. she has to be careful here, this say woman who makes $300,000 per speech. who made 14 million dollars for last book who has demands about the smallest private jet she will deem to fly onto private events. she's going to try to be this class warrior. that's the way she'll present

herself, it's a tougher sale for her than a lot of democrats. gerri: she hasn't driven a car since 1996 is what i hear. it is a tough sell. stan, you said something interesting to producers about cradle to grave mediocrity. i believe president obama looks to europe as the font the example that we want to follow here in this country with economic policies but is that the right idea? >> it's not the right idea. and question is whether the republican candidate will be able to make that clear. look, we have had about 2% growth throughout the entire obama presidency. this country grew over 3% in the entire post war period. and basically the economy has flat lined that's what people are feeling. and question for hillary clinton is whether she's arguing the 2% growth is the new normal. if it's the new normal, the government will step in with free education and programs

like sdmashgs i don't know whether the american people are sitting there saying we're done, we're ready to turn into western europe. i don't think that's going to work. gerri: another topic bubbling up i think both of you should weigh in on that's chris christie today talking about social security. let me tell you, social security is something you do not want to touch, if you want to listen to our viewers. they believe they set this money aside themselves. out of their paycheck, every single week, this is their money. chris christie saying no maybe not, maybe we're going to change the rules. if you have a decent income we might scale back your social security benefits. guiding you first. what's going to be the reaction to this? >> i think it's a smart play by chris christie. as previous guest noted, our unpaid for promises known as the entitlement programs unfunded liabilities are the biggest driver of our debt a debt americans are concerned about. the question is what do we do

moving forward and plans require leadership to push through -- >> my goodness this is the third rail of politics, though. look if you do this if you do this, then all bets are off. you've broken every promise. you promise these people these benefits they're not going to be here you kidding me dan, weigh, in how do you view this? >> i'm sure he's saying people receiving the benefits continue to get them. i agree with guy, this was a hail mary. this is chris christie saying i'm the anti-democrat. the democrats are proposing to increase social security. gerri: that's right. >> and i think christie is trying to play into his strength. the idea he talks turkey with people. talk tough and can sell almost anything. he's attracted attention back to himself in a very dramatic way. gerri: eliminating benefits entirely for individuals making 200000 or up. let me tell you, if i've been earning money, having a paycheck seeing the social security payment taken out, payroll tax each and every

week, i ain't going to be too happy about that, and i think a lot of people agree with me. other ways to fix the budget problems. there is overspending every way you look. guy and dan, terrific to have you both here. >> thank you gerri. gerri: shocking numbers on data breaches, is your information at risk? send me an e-mail or tweet me, we'll be right back.

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technology solutions at rsa. tell us about the big jump in corporate company breaches. >> yeah, gerri, i think that what we're seeing in the industry is a continued pattern of breaches in abuse. and what we have is a pattern where we have an extremely devious cybercriminal underground and a very trusting public. when you bring the two things together, it is a recipe for disaster. we have these ideas are very super sophisticated hackers that can get into any system get through any defenses, but what we're seeing in the research in the industry in these reports is actually the techniques that they're using aren't that sophisticated. they're relying on the trusting user. it's true. they're relying on the trusting user who's going to click on the e-mail, the one in four users who will click on the bad attachment and let that guy

into the network. gerri: is that the weakest link? >> it often is. some of this basic blocking and tackling where so many companies aren't keeping up with this are the weak links. another thing that we see is hackers are exploiting the well-known bugs well-known top ten vulnerabilities that they're not addressing that let hackers onto the servers systems and applications. gerri: i'll bite what are the top ten? >> some of them are just well-known vulnerabilities with very widely used software. web server software common applications common operating systems so they know if they target a company typically they'll have something like this in place, that they can go after and find a way in. gerri: so it's outdated software, maybe the security patches have not been updated not supported anymore. that's a tough problem. you know, i've got to think. >> it is a -- gerri: go right ahead.

>> it is a tough problem. one of the things we find almost 40% of companies don't have a good problem to address the vulnerabilities and do it in a quick systematic up to date way. that creates opportunity. it really is. it's the basic blocking and tackling that organizations need to shore up. gerri: all right, organizations what i care about is the individual how is this hurting me? >> well, certainly as consumers put more trust in the companies share more information with them, as more the commerce we do happens online, our personal information is at risk, our financial information is at risk. all this information that we're sharing with these companies as we do business with them potentially can fall into the hackers' hands. gerri: and, of course spam is a big problem. >> spam is a big problem. this is a way that's been revealed in the research that a lot of hackers are gang their way.

in sending the phishing e-mails that are convincing and trick companies and users into clicking on them, potentially opening up to attacks or revealing sensitive data like passwords or personal information that the hackers use to get into the personal systems. gerri: what's the red flag you're looking at spam. >> the biggest red flag when you start to look at spam or the phishing e-mails is something that doesn't look right. doesn't have the same logo, doesn't have the same professionalism the english might be off. something doesn't make you feel right. so the key is for consumers is to think before you click. read through that say does this make sense? is this something that companies they trust would be asking me for this information? does this really make sense to me. gerri: hard to be on guard when e-mail is such an important part of your life and you're in it all the time.

inevitably late in the day, you are scrolling through and say i've never seen that name and you open it up and it ends up being spam. so easy to fall prey. robert, appreciate your time. >> great thanks gerri. gerri: and later in the show a nearly $2 billion va hospital is not filled. why the holdup and why the cost is going higher? and next did congress do the impossible and reach a compromise? we'll have a live report as iran takes center stage on capitol hill. stay with us. excellent looking below the surface, researching a hunch... and making a decision you are type e*. time for a change of menu. research and invest from any website. with e*trade's browser trading. e*trade. opportunity is everywhere.

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the facility's estimate and years behind schedule. the subject is part of house veterans affairs committee meeting hearing tomorrow. he's the only member of congress to serve in both iraq wars. we thank you for your service congressman. let's get down to aurora. this is an unbelievable story. first of all costs have spiraled out of control and asking for more money to finish the project. as i understand it right now, the current tab is 1.73 billion? they thought it was going to be 800 million. what happened? >> well, this is the veteran's administration is unfortunately an organization that is marred in bureaucratic incompetence and corruption. that's the only way to explain it. gerri: it's just a shame. from what i understand the obama administration is asking for more money for and want to take it for a fund to help

veterans really? tell me your reaction to that. >> first of all i put forward legislation the legislation pays for the cost overruns using va bonuses. one thing the bureaucracy is good at doing in va is not serving those who have served this country but serving themselves. they gave 400 million dollars in bonuses to each other last year, after the scandals, budgeted for 360 million dollars. we can take the money and fund the cost overruns send

. gerri: you're going to be talking about this in term's congressional hearing. what are you hoping to learn? >> well, i don't think they can say anything, i think clearly they want to take the money. they don't want to make any sacrifices themselves. the leadership of the veterans administration doesn't want to give a dime of bonus money that they paid to bureaucrats, so they want to take it out of recently passed reforms that

are designed to improve the care for veterans, and so that's simply unacceptable, and so i'm going to take them on on that, and essentially say, you know, look let's strip them of construction authority, let's you know take their bonus money and pay for the costs and do an investigation outside of the veteran's administration, to do a deep dive and find out how do they get so off-course. gerri: isn't it time to take action and stop studying this stuff? i read recently a study conducted showed that veterans are still not getting care quickly. still on waiting lists. that continues. we're going to start asking the question do we need more leadership. more new leadership do you think so? >> i just don't think that the president supports the kind of reforms that are necessary. the kind of tough leadership that is necessary. i think the current secretary for the department of veterans affairs is nothing more than a place holder.

i think this administration is trying to sweep these problems under the rug, and is not taking them on, and they've certainly demonstrated a lack of leadership. and so i think it really goes back to the white house and not supporting the new secretary in make the hard decisions to turn this situation around and serve our veterans. gerri: tragic. it's really tragic congressman coffman, thank you for coming on the show. >> thank you. gerri: coming up big banks offering dismal results why the mutual funds aren't living up to the hype. next the senate bill passed on the iran nuclear deal. peter barnes will tell us what it's all about.

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program. meanwhile, in the news. stocks up today on good earnings from jpmorgan chase. but overall, s&p companies are expected to report a 3% plump in earnings this quarter. first drop since the end of the recession in 2009. jpmorgan rose today after its results beat expectations. and nine out of ten former atlanta educators convicted of cheating on state tests are going to jail. one accepted a plea deal. another will spend only weekends in jail. the other eight didn't take deals. nobody likes smaller seats in airlines. they could be bad for your health and safety. a government advisory committee is looking into complaints about the lack of personal space, leading to air rage and difficulties with evacuation. the government-run safety test with 30 inches between rows now just 28 inches. the man who recorded the classic song "when a man

loves a woman" has died. he was 74. the former hospital orderly had a long running music career including an an induction in the rock rock 'n' roll hall of fame. two big geopolitical news coming to a head. starting with obama's meeting with iraq's prime minister. offering aid to help those displaced by isis. a comprise on a bill giving congress a say in an upcoming iran nuclear deal. peter barnes raps wraps up the news for us. peter: they did about an hour or so ago pass that comprise bill that would guarantee that congress gets to review that iran nuclear deal the administration negotiated and at the same time, according to republicans, will attract enough democrats to make sure that --

that the senate could override a threatened presidential veto of a tougher review bill that the white house did not like. and a couple of the key provisions in this comprise bill that the republicans made with democrats to get their votes, congress would get 30 days to do an initial review of -- of the nuclear deal with iran instead of 60 days. it would also tee up a vote -- a guaranteed vote by congress at some point on whether or not to repeal those sanctions that are on iraq that are critical -- excuse me -- on iran -- that are critical to implementing this deal. the white house said today that that was progress. josh: if we could clarify congress' role by taking all these steps shortening the review period being clear what they're voting on, making sure this is a vote to vote later on congressional sanctions, that

that would actually achieve at least in part what the president has established as the priority here. that would be the kind of comprise that the president would be willing to sign. peter: willing to sign, but we still -- there's still more to do here because once this gets to the senate floor, there could be amendments that the white house -- so the white house isn't saying absolutely the president will sign this. on the president's meeting today with the new prime minister of iraq, prime minister abadi. they got together and talked about next steps on the battle against isis in iraq. there had been reports that the prime minister was going to come here with a wish list for billions of dollars of weapon systems, drones apache attack helicopters, ammunition, and other weapons to help fight isis. (?) but, at the end of the day, we didn't hear anything about that. in fact, the administration denied

that the prime minister actually brought a wish list to the meeting. however, the two sides did acknowledge that they did discuss the mutual security arrangement that they have. gerri. gerri: so peter let's go back to that iran deal. what's the next step for that in congress? where does it go now? peter: it's up to mitch mcconnell to schedule a vote on that on the full floor of the senate. and it doesn't look like -- he hasn't spoken yet -- said yet when he will schedule that vote. it doesn't look like it will happen for another two or three weeks at the earliest because congress is wrestling with a couple of other pieces of legislation. possibly the cyber security bill. cyber security bill. so we have to wait for that. and then the house is going to take obviously a crack at this. and house speaker boehner said today that he definitely wants to get a vote on this legislation because he wants to make sure that there's a reasonably tough iran review

deal -- deal review bill to make sure that the administration does not cave to the iranians as they try to wrap up a final agreement by june 30th. gerri. gerri: peter. thank you so much for that. when we come back, why are banks banking on mutual funds. getting those massive hospital bills are bad enough. what do you do when your insurer doesn't pay? we'll tell you coming up.

♪ gerri: how many times have you received a medical bill more than you were expecting and the health insurer won't pay up. it's sticker shock. don't panic. our next guest made a career over battling hospitals over

outrageous invoices. pat palmer. she is the author of "surviving your medical bills." you have great advice here pat. a, number one, my friend if i see a bill i don't like or a charge i think is out of control can i ask them to review that claim? maybe to overturn that claim. is there any process for them? >> yes absolutely. you should question any denied charges that you receive from your insurance carrier. most likely, the insurance company only had a summary bill that they've received, and they don't know the details of what you're being charged. so you should constantly question any denial or underpayment from an insurance carrier. gerri: now, can i ask for their supporting documentation so i can look at it and investigate it? >> absolutely. any time an insurance carrier denies or

underpays a claim for you, you have a right to the documentation and the sources they use to support their denial. and that's certainly something you should request first and foremost. gerri: all right. independent research. i don't even know how to start that. if i was going to try to prove that what they're saying is not right. how would i go about it? >> oh, well, a lot of times, there's so much information on the internet now, an example would be if they denied saying that this procedure was not fda approved. you can certainly go to the fda site and see. and a lot of times we see these for individuals that are paying these bills that the fda did approve it. it may have been a month prior to your procedure. therefore it is covered. and you can show them the proof to counter what their documents and sources are. gerri: tell us about the formal appeal procedure. because there is one. >> absolutely. there are several appeal options that are

available. and usually the first stage is the in-house insurance company. but you have a right to an independent outside appeal process. a lot of individuals aren't even aware that you have an opportunity for a live appeal which can not only be in person but by phone. so you can participate in the conversations in regards to the denial or the reimbursement of your charges. gerri: so let's talk a little about the charges that are ridiculous that you might get charged. give us an idea of what we might encounter. say a kleenex. >> there are numerous amounts of charges on hospital bills. first and foremost, order a detailed itemized statement. you'll never know what you're being charged for without reviewing that. when you do don't be surprised to see charges on it such as most

people are familiar the little white cup the nurse hands you they charge you. gerri: ten dollars! ten dollars that's ridiculous! >> that's for each time the nurse brings you that. we've seen 5,000 dollars' worth of charges for that one item. there's many other items. gerri: pat, you fight this every day. how difficult is it to win? >> not difficult -- too difficult. because if you know exactly what you're talking about and what is billable and not billable they usually end up agreeing in removing those charges. but without disputing them the insurance company most likely will pay the charges because they are not aware from an itemized statement what you're being charged for. so have your -- whether it's a self-insured company or an employer. have them investigate the bill from an

itemized statement. not from a summary bill. you'll be able to reduce it a tremendous amount. gerri: good news for us, pat. thank you for coming on and telling us about it. a lot of people will be interested in your information. thank you. >> all right. thank you for having me. gerri: and new concerns for individual investors tonight. all of us out there trying to make our way in investing land. according to morning star many mutual funds run by wall street's biggest banks are charging steep fees. their results, not so great. are the funds in your portfolio breaking the bank. lauren at morning star is here to help. so you took a deep dive really, did a big investigation, looking at fees and returns for some of the biggest banks on wall street. what did you find? lauren: well, we found that there are some bank-run mutual funds that don't have very competitive performance. gerri: all right. a, number one on your list here, you have to talk about them.

goldman sachs. now, they have a gold-plated name. everyone knows them. look at this performance. an average fee among the highest on this list. over ten years their return is 12%. vanguard return, 46%. what's going on? lauren: well, those returns are looking at how many of those funds outperformed. a lot of goldman sachs aren't ten years old. many of them had performance issues both equity and bond funds. gerri: when you say issues, what do you mean here? lauren: underperformance. they're trailing their peers and their indexes over the long-term. gerri: okay. so when you sit back and look at this, what is the lesson to draw? lauren: well, you mentioned the fees. you know, morning star has shown time and time again the less you pay for a mutual fund, the more likely you're able to outperform. that's a number you want to keep a close eye on. gerri: if you're a small investor out there what's your

advice when choosing a mutual fund? part of this story, i believe, i'm not sure, you tell me if this is true or not vanguard is a big index company. index funds are doing very well compared to a manager picking stocks. is that's what's driving the results here? lauren: well index funds have generally outperformed actively managed funds in recent years. that gives vanguard a leg up. even their actively managed funds have done well. they're helped by those low costs as well. gerri: you know, goldman sachs for its part is not admitting to bad performance. they say they do just fine, thank you very much. and maybe we're not looking at the right numbers. how do you respond? >> well, you can look at numbers in a variety of ways. we presented our data which you can show your viewers. we think they've taken

steps to address their underperformance. we're watching that closely. gerri: your advice to consumers who right now might be making that judgment whether to go index or active management. goldman or anyone else. what's your advice? how should people analyze this kind of choice? >> well, it's a tough choice. assets have been going primarily to index funds in recent years because of those good returns. and that's -- you know, often a very strong low-cost option. we obviously like active managers as well. you have to be careful about where you're choosing, be mindful of costs, as i discussed. and, you know, be long-term oriented. this is not a time to make a knee-jerk reaction. markets change every day. gerri: can i get you to make a choice? what's your best advice? >> we don't advise one over the other at morning star. gerri: thank you for coming on. thank you for bringing your research.

interesting stuff. >> thanks for having me. gerri: 150 years later still questions about one of the most talked about moments in american history. the assassination of abraham lincoln. people ship all kinds of things. but what if that thing is a few hundred thousand doses of flu vaccine. that need to be kept at 41 degrees.

while being shipped to a country where it's 90 degrees. in the shade. sound hard? yeah. does that mean people in laos shouldn't get their vaccine? we didn't think so. from figuring it out to getting it done, we're here to help.

♪ gerri: today marks the 150th anniversary, that is, of one of the most somber moments in american history. april 14th. president abraham lincoln was shot by john booth. presidential historian doug weed. welcome to the show. very good to have you here. >> thank you. gerri: you know, i think it's so interesting. this story today 150 days later.

it's difficult to put it in context. talk to us about how to think about this and what it meant. >> this was a turning point for us in america. (?) and lincoln immediately became a saint. the deification of lincoln began almost immediately. i think what we miss is that he wasn't a saint before this moment. he was ridiculed. almost didn't win his reelection. was considered very quaint. not tasteful. so the real genius began to emerge after this assassination. gerri: and yet, he led us through my goodness the civil war. one of the most contentious and difficult periods of our history. what if he had not lived? what would have been different? >> daniel chester french who was the sculpture

who designed the lincoln we see in the memorial. one of the hands is in a fist. the other is reaching out with an open palm. french who literally lived with lincoln in his mind as he created that sculpture, he was trying to show that lincoln was tough. he was a killer. more men died on his watch as president than any other american president in history. he was compassionate and ready to heal and forgive the south and bring the nation to unity. this was the complicated person he was. he practically memorized the five books that his stepfather brought to him when she married his father. five books. the bible. a sop's fable. biography of george washington. he didn't have a vast collection of books like many people presume. he only had five. but he almost memorized them. (?) and much of his life, you can see from when books. >> and my understanding

is he, he studied those in candlelight. talk about a difficult -- a difficult growing up. tell us, what do you think he was as a person? would we recognize that man today from the history books? >> he had a great sense of humor. he would, as a young man, he would go to church. and when church was over, he would come out in a field, stand up on a stump, and he would repreach the sermon loaded with sarcasm and double entanned. it would attract a big crowd. his father was furious with him about it. he had a great sense of humor. he had a temper that we don't fully acknowledge today. but when they -- when they hurt his sister sally, he was furious. and he played a pretty dirty trick on the people who had hurt her. gerri: wow. it's the side of lincoln we never heard before. is there anything we

should take away anything about his life we should remember and commemorate? >> what i think what strikes me is his mother. his stepmother. we often talk of the wicked stepmother. this was the angel stepmother. and it's a great story for stepmothers all over the world. lincoln told his law partner, all i am or i ever hope to be, i owe it to my angel mother he called her. after he was elected president, he went to see her because he wanted to meet someone who loved him as a person and not what he had become and was seeking office. she hugged him at the door. she was weeping. a chicago tribune reporter was there to hear her say they're going to kill you son. they're going to kill you in washington. she just hugged her stepmother and said now, now, it's going to be okay. she had a premonition she knew in her heart, this is the last time i'm going to see my boy. >> wow. doug, thank you for

coming on the show tonight. >> thank you gerri. gerri: switching gears a little bit. tax day is tomorrow. we asked the question at the beginning of the show are your tax dollars well-spent? here's what you're tweeting me about our poll question. jay: our tax dollars are wasted. massive fraud. government regs costing the economy billions. way too much bureaucracy. fraud and bayous abuse of our tax dollars. the american people need to wake up and #votethemallout. i like that.

gerri: finally tonight in our poll 99% of you said taxpayer's dollars are misspent. no kidding. the federal government that is -- you can see the numbers right here. we'll collect less than $11,000 in tax revenue per person. they'll spend 12,000. that's a deficit of 1400

per person. too much. it's no wonder we have national debt of a trillion. that's it for tonight's willis report. thanks for joining us. we'll see you right back here tomorrow. ♪ ♪ >> i'm charles payne. you're watching "making money." plenty of reasons for companies coming up short. the biggest is the strongest dollar. the johnson & johnson sales outside the united states were down 13% because of the mighty greenbacks. 70% of companies have been -- the strong dollar headwind. the street is becoming more understanding and even forgiving with this one. higher oil. russia and china not necessarily given a free pass as far as this west coast slowdown. some retailers have been excused. others haven't. it brings us to the retail sales report. it was more robust than obviously the last couple of months.