ashley: beautiful blue skies in new york city is the empire state building points toward the beautiful morning. it is 10:00 eastern. i'm ashley webster in for stuart varney. let's get to your money. the markets after yesterday's nice rebound throwing it back out the window, the dow off 200 points down 0. 6%. the s&p the same amount, the nasdaq down 1%. let's look at the 10 year treasury yield. as stocks have gone down we've seen the yield go up 7.4 basis points heading back up to 3.89% on the 10 year treasury. that hurts the big tech growth stocks and they are all in the red. microsoft, apple, amazon down 1.5%, meta and alphabet.

all those big stocks taking it on the chin. look at bitcoin. that has been down slightly lower, $200, 16,400, down three. now this. as we approach the new year let's look back at this administration and its handling of the biggest issues, roll the tape. >> i think i was wrong then about the path that inflation would take. >> president biden: i don't think there'll be a recession. if it is it will be a slight recession. >> we are seeing a significant challenge at the southern border. >> president biden: shut these plants down all across america. >> we believe his words were twisted and we are clear about that. ashley: i don't think there is anything clear about that. brad blakeman joins me now. i will put you on the spot.

what do you think was the biggest story of the year? >> the biggest story of the years the crisis that is happening on the border, the humanitarian crisis, the economic crisis. our border is overrun. our cities are being overrun. this administration has done nothing. the president should go down to the border. our borders are, our vice president might as will be on the back of a milk carton, no one knows where she is. i think that is the biggest story of the year because it is one that is going to permeate the news in 2023 because there is nothing substantive in the $1.7 trillion budget that was just passed by both houses of congress and signed by the president yesterday while on vacation that addresses the border problem. ashley: glad you brought that up. the president was on vacation in the virgin islands signing that spending bill, the question to you is is there anything republicans can do

when they take control of the house next week to get this out of control spending under control? >> unfortunately, they've given a free pass to this president through the budget year which and in september. they are on a spending spree until just the months leading up to 2023. the spending is out the door. they didn't reduce spending, they increased spending and they increased it in greater amounts than we were being hit by inflation. this isn't the way you operate your household, not the way to operate a government. 12 appropriation bills were wrapped up in a 4,000 page bill. the only congressman who would admit to reading that 4000 page bill is george santos. nobody else read it. ashley: we have the leadership to be decided next week, kevin mccarthy the favorite but what

should republicans the focusing on, given what we saw in the midterms? what should they be focusing on? >> number one, they've got to get their act together. we've got to be unified to govern appropriately. we don't have a majority in the senate. this president is feckless. the white house is being ruled by committee and it is time the republicans were united and stood for something. i want to see the new leadership in the house put together a contract for america as to what the american people can expect in their leadership. we don't have a plan of action. we don't have a leader. is kevin mccarthy going to be the speaker? who knows? this is the failure of republicans, to be united in leadership and to have a plan of action against a president and senate on a spending spree that is out of touch with reality.

ashley: it really is. brad blakeman, happy new year to you. thank you. now this. democrat congresswoman katie porter getting a lot of chris's and for how she treated a veteran and former staff member. what happened? lauren: there is a text conversation between the congresswoman and a wounded warrior fellow, she was working in congressman porter's office. they had this text exchange about the covid protocols, the congresswoman writes this. i cannot allow you back in the office given your failure to follow office policies. cody will be in touch and will lay out your remote work schedule and response abilities for your last few weeks. sure sounds like she was fired for getting covid but this is what porter's offices, this former employee was not fired.

she was a fellow in our office and weeks before she breached covid protocol in july we had mutually agreed on a end date. she couldn't be fired by the congresswoman because she was part of the wounded warriors program but the best part is this text, what congressman porter said. you gave me covid. and 25 months, it took you not following the rules to get me sick. my children have nobody to care for them. that is just downright mean. ashley: that is mean. let's take a look at these markets. we keep saying this, the rebound yesterday. santa may have been coming to give us a rally, the dow off 255 points, nasdaq down 1%, the s&p down 1%. good time to bring in our good friend kenny polcari.

you say the issues remain the same and unresolved as we head into the new year. i have seen a lot of doom and gloom and it appears you are on that side as well. >> not so doom and gloom. all i am saying is let's not rush to judgment because the issues remain unresolved. don't know how aggressive they will be. are they going to pivot or not? i don't think they are going to pivot but inflation remains sticky. that's not doom and gloom. that is what i think it is. people just need to be cautious going into the new year. morgan stanley and goldman are doom and gloom talking s&p 3000. i don't think we can churn down here a little bit longer before we find some stability. ashley: i will take it back. kenny polcari is not all doom and gloom. you say the selloff has created

some long-term opportunities but what would some of those be? >> absolutely. take a look at them. i put them in my notes this morning. biotech is a great opportunity. defense stocks are up already but that will be a place people can look. the fact the some conductor is down 40% providing a huge opportunity for specific things. nvidia is down 50% which seems not steube. i think there's opportunity there. there is certainly opportunity in consumer staples and healthcare going forward because they will provide some defense in terms of volatility in the marketplace. you have to start to look and you will see, energy stocks, fossil fuel stocks have so outperformed this year, the oil stocks have done really well so for investors to say there's no opportunity, you are not looking in the right place. ashley: you are masterchef so i

must ask you what is on the menu for new year's? >> we will make veal, put it on a bed with shallots and parmesan cheese and then take the veal and put it on top with some of the sauce and vegetables and salad and nice red wine. what else do you need? than the coffee cream i gave you as dessert. ashley: i am very hungry already. you should have your own cooking show. you would be fantastic and happy new year to you. >> happy new year to you as well. ashley: never a dull moment with kenny polcari. sam bankman-fried met with the white house and white house aides before the so collapse. why did he do that? lauren: four meetings with white house aides, the last one

being two months before the collapse of ftx. he met with the counselor to the president twice in april and then again in may and with a policy advisor charlotte footash in may, this is raising eyebrows about why there was such a revolving door. greeted bloomberg conversations were focused on the crypto industry but read between the lines, the policy could benefit him. spf was previously accused of trying to redirect regulators looking into this away from centralized exchanges like his own and platforms instead anti-was a big democratic donor. ashley: ironic when we know what was going on. you are looking at the movies, mark marhaney said his pick was netflix. lauren: as mark said they have

new things to offer like this deal with nike to offer subscribers access to work outs. some users will see that today. meta, dog of the year, but not this month. the nasdaq is down 10% in december. meta down a lot this year essentially flat. the only big tech company that is a winner or not a big loser in december. the last one is taiwan semi, the number one chip contract manufacturer warning of bloated inventories. after this report that customers like intel, nvidia, revising down their orders because of softening demand for pcs and smart phones and reports that their utilization rates were cut in half in the new year. ashley: any time you use the word bloated, you know it is not good. that much i do know. lauren: for your genes.

ashley: remember this in 2019? alexandria ocasio cortez was seen crying outside of migrant center in texas. that was when trump was president. now that biden is in the white house she is yet to go to the border. most americans say their current home was on the market today they wouldn't be able to afford it. we have those details coming up. house republicans want answers from the white house as they are set to chair the committee's this year but the white house says not so fast. if you want any information you have to wait. republican congressman byron donald's response to that next. then i got the dexcom g6.

i just glance at my phone, and there's my glucose number. wow. my a1c has dropped over 2 points to 7.2. that's a huge victory.

when people come, they say they've tried lots of diets, nothing's worked or they've lost the same 10, 20, 50 pounds over and over again. they need a real solution. i've always fought with 5-10 pounds all the time. eating all these different things and nothing's ever working. i've done the diets, all the diets. before golo, i was barely eating but the weight wasn't going anywhere. the secret to losing weight and keeping it off is managing insulin and glucose. golo takes a systematic approach to eating that focuses on optimizing insulin levels. we tackle the cause of weight gain, not just the symptom. when you have good metabolic health, weight loss is easy. i always thought it would be so difficult to lose weight, but with golo, it wasn't. the weight just fell off. i have people come up to me all the time and ask me, "does it really work?" and all i have to say is, "here i am. it works."

my advice for everyone is to go with golo. it will release your fat and it will release you. ashley: you are taking a look at osage beach, missouri. it it is currently 39 °. let's take a look at these markets by giving back what we gained yesterday. not all of it but most of it, the dow off 200 points, gained 300 yesterday but we are on the downward momentum down half of 1% on the dow, the s&p and nasdaq down close to 1%. there is less than one week until republicans take control of the house.

some of the upcoming chairman are looking for information from this administration. not so easy. peter doocy is at the white house. what did the white house say to those republican requests? >> reporter: they say they will play ball in the new year but since the last congress is over any subpoenas that got sent over here during the last congress are going to get reset. we talked to the white house counsel's office. the spokesman there says as we have the last two years, we intend to work in good faith to provide appropriate information to congress but americans made clear they expect their leaders in washington to work together on their top priorities like lowering costs, the president will focus on and we hope house republicans will join him. if those subpoenas are void critics say so is this promise the press secretary made on inauguration day. >> is objective and his commitment is to bring

transparency and truth back to government, to share the truth even when it is hard to here. >> reporter: just because the white house says they won't honor the subpoenas from the last congress doesn't mean the subpoenas will stop coming. on the contrary. >> apparently president biden doesn't know what copy and paste means, we are going to copy and paste and only change the dates and resend those requests. we are trying to do our jobs and the biden administration sent a signal loud and clear we are going to do everything in our ability to prevent and block your oversight. >> reporter: these republicans say the subpoenas are for information about covid and afghanistan. they say their interest is not in allegations of biden family influence peddling. ashley: great stuff, thank you. let's bring in congressman byron donalds from florida. what do you make of the white

house telling your colleagues, not so fast, hold off until the new year? >> i am still in the christmas spirit so i am trying to have a good attitude about this but this tells me this administration is not serious about anything, the only thing they have been serious about is blocking any oversight, any transparency, house republicans will bring back to washington. these requests for information have been going out for the past two years. my office sent out three or four requests for information of various agencies, we get no information, minimal responses. we will go through the process of having to request them as the house of representatives and maybe subpoenaing those pieces of information but the white house could turn them over now. if you have nothing to hide what are you worried about? except they have a lot to hide. they don't want to talk about what they are doing that is frank -- fracture america, destroyed border security, made inflation high on all americans, they don't want to

get into that. they would rather focus on other issues that don't concern them. ashley: jen psaki early on in this term of president biden said we are going to bring transparency back. i don't think there has ever been a more transparent president and donald trump. don't you agree? >> i agree. donald trump spent so much time with the press, gave more information to the press, they let independent councils be formed during his administration. president biden has blocked congress's ability to see spaciousness -- suspicious activity against his son and his brother, no other president blocked congress from being able to do that except president biden. his son, 150 suspicious activity reports, president biden blocked congress's ability to see them. talk about transparency, start there. at the end of the day the biggest issue going on in washington dc is president

biden has been lying to us about the implications of his agenda and at the same time his son and his brother have been influence peddling across the globe. the question is has those influence operations impacted the agenda of the president. those are important questions to be asked. ashley: just to get your comments on what we have been talking about all morning, the president signing that massive one. $7 trillion spending package, they had to fly the bill out to him by commercial plane for him to sign it. the optics on that. what do you make of it? >> it is ridiculous but it is important for the american people to understand it is ridiculous there were more members in the house of representatives who proxied to vote for that bill then members present. more members proxy. none of them had covid but they were all proxying, 4. $7 billion package, that was

reprehensible, the president not staying in the white house to sign the bill then going on vacation, that is reprehensible. if you don't get your job done on time you don't get to leave, you've got to stay until the job is done. ashley: so much for climate concerns. congress and byron donalds, thank you for joining us. ashley: thank you. officials warning house committee staffers could lose their pay of the speaker isn't decided soon. why is this happening? lauren: the delay in getting a speaker, these 5 republicans are publicly opposing kevin mccarthy as leader. andy biggs, matt gaetz, the house will essentially be paralyzed until they elect a leader and that will impact committees, the house rules package, how the chamber is going to run.

politico reporting january 13th and without it the committee the processes payroll doesn't really exist and that means congressional staff cannot get paid and people get mad. ashley: what a mess. time for the gop to get its act together. thank you very much. an article in time calls exercise racist. i kid you not. and says it is rooted in white supremacy. i didn't make it up. we will try to explain that one for you. we are in the second biggest home price correction since world war ii. what does that mean for new homebuyers? i will ask our housing expert, mitch rochelle, next. ♪

ashley: look at these markets. we are getting back a lot of yesterday's gains, the dow up half of 1%, s&p down 3822,

nasdaq down nearly one%. in this environment you are looking at the movers, let's begin with home depot. lauren: with disney these are the two components driving the most on the dow, the dow is down 200 points, they account for 40 points loss. that's weighing on the dow the most, southwest, bad week, 16,000 flights canceled, stock is down 6% this week. it is up in a down market, they are getting back on schedule, this is a holiday weekend with new year's, they expect minimal disruption, fingers crossed for people trying to get home. door theyash are down, uber is down as well. npd put out research and found delivery orders at fast food chains are down 11%, people are spending money more cautiously.

it is expensive to pay all those fees, you have to pay for the food and then give a tip and all this. people are cutting their budgets. they will feel the pinch of it. ashley: makes sense. next one for you getting into the housing market, one state is seeing home prices fall twice as fast as the rest of the country. lauren: seattle, washington. i would not have guessed seattle but that is the answer. these aren't big numbers. i will put them in perspective. seattle home prices down 1% between september and october but national prices fell half of 1%. seattle declining at double the rate of the rest of the country. home in seattle is still expensive. i don't still up from last year but the size of the gains are getting smaller, trailing the national average. wire seattle residents moving out? pick your poison. they don't like how the city is being run, their businesses are

getting broken into. the high cost of living, the drugs so they are out and going to other places. you know where they are going, you're sitting in one of those places. ashley: yes i am, florida. lauren: have you met anybody who came from seattle in your travels in florida? ashley: i have not. i've met a ton of new yorkers. some from the midwest, mostly the northeast. no one from seattle. a few from california but not seattle. i will now. thank you very much. we said this earlier, we are in the second biggest home price correction of the post-world war ii era. fed chair powell says it could put the housing market back into a, quote, better balance. mitch rochelle is our housing guy. great to see you. how long do you think this correction will last? >> a couple things will cause it to turn in the opposite direction meaning home prices

are going up. one is certainty. when you don't know if interest rates are going up or not i think that is driving people away from buying because they don't know if rates will be cheaper in 2 months and they are going to wait and the other thing is uneasiness about the economy. the shoe to drop their would be if we start seeing layoffs, unemployment starting to rise. that could be something that causes a leg down in the housing market in a big way. the flipside is if the economy shows that it is improving and we dodge the recession bullet and get the soft landing the fed is trying to achieve than the housing market start seeing gains again because we have a supply and demand imbalance and that is pushing prices up so much. ashley: they went up so much,

outrageously so, homes were staying in the market for hours before they would get 5 or 6 offers. that drove prices up. they were out of whack. a new poll shows 55% of americans say they can't afford to buy their own home in today's market which is pretty interesting and shows you how high but they've got cheaper interest rates. you see prices falling between 10% and 15% from here and that depends what we are talking about. >> my 10% to 15% is from the peak in 2022, where we land in terms of average home prices being down 10% to 15%, talking about the stock market, it would be seen as a correction but not a bear market. the thing to remember is from

february 2020, home prices went up as much as 40%. where we are today, we are giving at most 1/3 or quarter of the gains we realized but that doesn't help somebody who just bought a house at the top of the market and now loses 10%. ashley: it was always a sellers market. if we get back in balance, is it becoming more and more a buyers market even though the buyers can't afford as much home as they could because of the higher interest rates? >> right now i would say it is a buyers market, the power has shifted from seller to buyer. doesn't mean you don't see some bidding wars because across the country, we are 3.3 month supply, that is relatively low. if there is a house that hits the market, it ticks all the boxes for buyers, and there are

buyers in the market. you could see some -- mostly it is one or 2 people chasing that house. but if you look statistically, days on market statistics haven't shot up the way you would have thought. i feel like a broken record, the supply constrained market. that just means all you need is a little demand and you get a bidding war. ashley: thank you for taking the time to join us today. great stuff as always. by the way the irs is set to hike interest rates. when and by how much? lauren: is a good news bad news story. january 1st, in a couple days. if you or your business over or under pay your taxes the interest rate will go up to 7%

if you overpaid, 9% if you underpaid. the good news is it cuts both ways so if you are due a refund as many people are, the irs will pay you the same interest. ashley: they are just going to take their time getting it to you. they want -- they are all over you, but if they ou they dragged their feet. lauren: and you have to pay interest on it too, if you are owed a refund you have to pay taxes on that. i said it wrong, my apologies. ashley: i get where you 're coming from. i don't want to go on too much because then i will get audited. thank you very much. thousands of flight cancellations left many stranded this holiday weekend but for one man it meant his life savings, he had to be put on hold, horrible story, indefinitely. we have that story. 2,022 was a year filled with big tech suppression issues, grady trumbull will break it

down for us next. ♪ thinkorswim® by td ameritrade is more than a trading platform. it's an entire trading experience. with innovation that lets you customize interfaces, charts and orders to your style of trading. personalized education to expand your perspective. and a dedicated trade desk of expert-level support. that will push you to be even better.

and just might change how you trade—forever. because once you experience thinkorswim® by td ameritrade ♪ there's no going back. ♪ choosing miracle-ear was a great decision. like when i decided to host family movie nights. miracle-ear made it easy. i just booked an appointment and a certified hearing care professional evaluated my hearing loss and helped me find the right device calibrated to my unique hearing needs. now i enjoy every moment. the quiet ones and the loud ones. make a sound decision. call 1-800 miracle now, and book your free hearing evaluation.

.. we planned well for retirement, but i wish we had more cash. you think those two have any idea? that they can sell their life insurance policy for cash? so they're basically sitting on a goldmine? i don't think they have a clue. that's crazy! well, not everyone knows coventry's helped thousands of people sell their policies for cash. even term policies. i can't believe they're just sitting up there! sitting on all this cash. if you own a life insurance policy of $100,000 or more, you can sell all or part of it to coventry. even a term policy. for cash, or a combination of cash and coverage, with no future premiums. someone needs to tell them, that they're sitting on a goldmine, and you have no idea! hey, guys! you're sitting on a goldmine! come on, guys! do you hear that? i don't hear anything anymore. find out if you're sitting on a goldmine. call

coventry direct today at the number on your screen, or visit coventrydirect.com.

ashley: we are finishing out the last trading of the year on a whimper as opposed to a bank. the dow up 202 points, the nasdaq in the red. this year was filled with big tech censorship across many platforms. grady trimble joins me now. take us through the biggest ones and more importantly, what happens from here.

>> paypal joins the list of big tech companies accused of centering conservatives. the payment processor allegedly temporarily suspended certain accounts based on content. >> the payment processors will say we are not going to process payments for you and that means as a practical matter whether you are a business or nonprofit, in december your big fundraising time, that is life or death for you. you will not survive. >> although this year go fund they blocked a fundraiser for the freedom convoy truckers protesting covid mandate in canada and the republican national committee, the rnc is suing google for syndicates emails to spam in gmail. looking at 2023, it could be the year big tech companies lose some of the protections that allow them to be the arbiters of speech with few legal consequences. two cases before the supreme

court challenged section 230, the 19 yeary -- era law that prevented being sued by third-party content on their sites. one suit scotus will take up accuses youtube's algorithms of spending terrorist content. the other argues twitter didn't do enough to block terrorists from using the platform. >> they are so focused on taking conservatives off the platform, they lost track of terrorist content and we've seen a massive alliteration of extremism without the content moderation making sure it stand off of the platform and a misuse of resources. >> reporter: experts say it is unlikely lawmakers in congress update section 230 so there's a lot riding on supreme court cases. ashley: going to be fascinating to follow. thanks, appreciate that.

now let's take a look back, this year for fox business, what an interesting one it has been. the biggest stories, funniest moments for the network, roll tape. stuart: the stock market started on the upside. >> wild week for wall street. charles: we see all the red on the screen. >> it will keep tightening and tightening. >> will the federal reserve have the nerve to continue to tighten policy? >> twitter officially has a new owner. >> this will be exciting. >> the national conversation just changed in an instant. the bird is free. >> save america, kill the bill. >> all walks of life interested in koto currency send bitcoin. >> the epic failure of ftx. >> sam bankman-fried your money. >> a lot of frustration among people who paid off their student loans. >> do you support the chinese people's right to protest?

>> you can squeeze on pricing and labor. >> golfers i've spoken to are thrilled to be a part of this. >> one of the largest oil oilfield in the world. >> the government has an interesting to your foreign overinflated housing market. >> to ban tiktok on state devices. what is the president considering doing? >> where do republicans and democrats go from here? >> where do you see inflation a year from now? >> $20 at taco bell for just yourself for lunch? ashley: there you go. there is your glass of water. >> thank you but i ordered iced tea. >> how this son of a gun just -- look at that. >> voters are talking about the issues. >> the prevalence of drone use, you don't see that as much. >> he will show me how to make a football.

>> the focus early on is going to not about being red or blue but just green. >> >> it allows us and to homes and offices. ashley: it is fun to l on. the folks who put that together. doctor marc siegel says we must close our borders to china. the originators of covid if it isn't already too late. we will talk about it in the next hour. since october 1st, 7000, migrants have crossed the border every day. that's a record high even with title 42 still in place. brandon judd will sign off on that next.

as a business owner, your bottom line is always top of mind. so start saving by switching to the mobile service designed for small business: comcast business mobile. flexible data plans mean you can get unlimited data or pay by the gig. all on the most reliable 5g network. with no line activation fees or term contracts. saving you up to 60% a year. and it's only available to comcast business internet customers. so boost your bottom line by switching today. comcast business. powering possibilities.

hi, i'm katie, i've lost 110 pounds on golo in just over a year. i was a diet soda addict, and i needed to have a diet soda every morning as my eye-opener. with the release, the cravings are gone. golo worked for me when i thought nothing would work for me. the first few weeks were really astonishing how quickly and how easily it came off, how much better i felt, what a change it made so fast. i feel like anything is possible after accomplishing what i've done with golo. ashley: investors make their final trades of 2,022 and a lot more selling than buying, the dow down half of 1%, the worst

year for wall street since 2008. that gives you a sense of the markets this year. there were 617,000 migrant encounters at the southern border since october alone. brandon judd, national border patrol council president joins me this morning. is this surge going to get worse as we enter the new year? >> it is. what we are seeing is chaos on the borders and it all started with policy. this puts policies and programs in place to stop what is going on. we see month over month, day over day, week over week, records every single month from this administration. what is scary about that is it affects the american people, all the drugs are killing our children, our adult, killing so many people, the administration

couldn't get a handle on it. ashley: they denied there is a crisis which brings me to this point. the new york times admits there's a crisis at the border despite title 42 remaining in place. the paper saying the reality is despite the dark predictions over what will happen when title 42 is lifted, the southern border is already in the midst of a record-setting migration surge that is likely to persist for the foreseeable future. the border patrol members will be exceptions under which tender thousands of migrants every month showing up at us ports of entry with a high degree of confidence that they will be allowed to stay. one of the list -- left leaning outlets finally admitting this. is this a step in the right direction? >> they are two years late to the party.

this administration does listen to far left outlets and potentially might have a fix. to give you an idea how bad it is, any particular month we should be apprehending 30 to 40,000, we are 8 times that number. it pulls agents out of the field, covering the gap and that is how these cartels are able to generate a profit and what is so bad about that is all of this profit is generated off of our policies. our government is allowing this to happen. ashley: 30 seconds. how demoralizing is this for the men and women of border patrol and all the other agencies who spend every day trying to hold back the tide? >> to put on a uniform to

control the border, we do not have support of the administration, we will always do our job. it becomes very difficult to do it. ashley: we thank you for the efforts. thank you for joining us, happy new year to you. ashley: do you remember this? congresswoman aoc made a trip to migrant facilities during donald trump's time in office, hands over the eyes, the crying. does she have any plans to visit the border now that mister biden is in charge? lauren: i don't think she has any plans to. she did go, that was 2019, trump administration, we saw that photo of her at the migrant center in el paso, she was a progressive hero. those same shelters are overflowing and aoc is completely awol. even the democratic mayor has declared a state of emergency

so i went back to the articles in 2019 that spoke about her time there and when children were separated from their families, they sat in soiled diapers and they ate meals a little nutritional value. these children are completely overcrowded, freezing cold, nobody has socks, it is so much worse but aoc and all the people that went down there in 2,019 have not determined that. ashley: it is all about politics and the optics, that exposes it in its most disgusting form. now they are just ignoring it. thank you, i will get off my soapbox. still ahead, todd pyro will be here, doctor marc siegel and congresswoman nicole malliotakis.

the 11:00 hour of "varney and company" coming up next. ♪ then i got the dexcom g6. i just glance at my phone, and there's my glucose number. wow. my a1c has dropped over 2 points to 7.2. that's a huge victory. hi, i'm susan, i've lost 84 pounds on golo and i've kept it off for a year. i had spent so much money on other products that when i saw the commercial for golo, the price was so much cheaper and i thought, "boy, this might not work but why not try it?" it is amazing and it works really well.