for a paralyzed veteran today. >> kamala harris is absolutely wrong on that. it's not secure. we have a lot of work to do. >> when the president decided he was going to do something dumb on this and change the rules, you know, that would create a bigger crisis, you know, i told him he was wrong. >> biden does need to step up immigration and border security, absolutely. >> they're listening to the immigration activists, but who is listening to the men and women in green and blue? who is listening to the border commun communities? >> all right. here is when you know you're in trouble on the border crisis when those in your own party are saying you're in trouble on the border crisis. welcome back, i'm neil cavuto and we're focusing on what's

happening on the border no closer than griff jenkins in mexico right now and their side of the border, thanks are-- things are getting worse and rampant there. >> we're in mexico and witnessed multiple times this morning of smugglers moving the migrants across. i want to you see this, by the way, this is a rope that you can see that literally been tied together for the migrants in the dark hours to take into the water to go across and this over here is the u.s. side. that's where we have seen groups for the last 24 hours we've been here crossing all day, every day. a smuggler tells me that the border is quote, open, and he also says that to cross this river about 500 to $1500 u.s. dollars, but then if you want to be picked up and taken to san antonio or houston, upwards

of 9 to $10,000. let me show you a drone shot, some footage of the group that crossed right at this location several hours ago. our drone on the u.s. side eagle pass was able to get a shot of that. this is part of the more than 19,000 migrants that have illegally crossed this area in the del rio sector since october 1st when the new fiscal year began. here is what secretary, dhs secretary mayorkas says this, the political cry that the border is open is music to the smugglers ears and take the political rhetoric and market it. and i disagree with that. they're sending people, the smugglers because they know they can do it. that's the simple hard fact and until things change at the federal level, this isn't going to change soon. i want to show you, that's every day now, they have been a

group of venz venezuelans sent on the bridge, a title change of 42, for the venezuelans. they're come across and sent into the interior of mexico and upset about it because they say they have no one to go to in mexico and don't feel that it's safe. that's the situation. that's the reality of what's playing out here on the border, neil. back to you. neil: but, griff, maybe you can get this through my thick skulls. the venezuelans are the only group of migrants to whom we're having this mexico, settle it in mexico policy, right? >> well, no. so that's a good question. now, still to this day, prior to the venezuelan announcement, the u.s. and mexico have an agreement to title 42, or expel under the trump era policy the migrants that came from mexico or the northern triangle,

honduras, el salvador, guatemalan, the groups in the brush, runners, typically central americans or mexicans. venezuelans have been allowed to come and apply for the political asylum and now they're getting so many. more than 150,000 last fiscal year, border-wide, that the administration had to do something so mexico agreed to take some back, but it's only to the tune of 200 a day on this bridge. not sure what the numbers are for the other ones, but it's a limited number that's coming back. by the way we should point out also the administration offering an opportunity for upwards of 24,000 venezuelans to apply before they even get to the u.s. online to claim asylum after they pass the background check and have a verified u.s. sponsor that could give them financial support, but here is the reality, neil. 24,000, when you've got 150,200,000 many coming in the pipeline? i'm not sure it's much of a help. obviously, things are wide open. i'm just going to take two

seconds to point. can you shoot, mike in the distance, the smuggler was coming back down in the trees, i don't think we can see him. he's hiding here and making sure it's clear. hold on one second, it's slippery down on the banks, neil. if we can get a shot. if you're right there, mike. right there in the distance, you can see the smuggler stays in this position and waves to give the okay. and throwing clothes that the smugglers have discarded and they try to resell those, but right now he's getting ready for the next group. the groups start about 5 a.m. and they go all day long, i mean, we weren't here overnight, but certainly when we got here well before the sun came up. we saw them and he's going to make his back in there and we wanted to talk to him and he obviously doesn't want to talk on camera as we try and not slide in what is a pretty slippery spot, neil.

neil: amazing. and what's even more amazing to your point, griff, is the presence of you and your cameraman mike, does little to dissuade those who are trying to get in here to keep going in here. just wild. griff, be safe, my friend. thank you, very very much. griff jenkins at the border. want to go to christian talveres. you see it all the time, chris, they're pretty bold and even with television cameras rolling they keep coming in, they keep coming in. >> they do, neil and the reason behind that is because they've been able to operate, you know, as far as smuggling people since last year and they feel right now they can operate with no consequences and that's essentially what's happening. if they come across our men and women of texas dps we'll arrest them and have consequences for the individuals who are

violating state law. but the fact of the matter is, the federal government has allowed an open border policies and they say they come to this country because the border is open and that's what we're seeing that. because of that the criminal organizations are exploiting that and a multi-billion dollar trade. 500% increase since 2018 in human smuggling events. that shows you how profitable it is to smuggle immigrants from mexico making the long dangerous journey from over 150 countries and to the united states and criminals will continue to exploit that and doesn't matter what operation or initiative the federal government will put in place, we know it's temporary and the criminal organizations are going to try to fine the loopholes, they're not going to lose tear profits. they'll continue smuggling people across that border. neil: so let me ask you, chris, when we hear of this move to deal with this subset of migrants, a tiny subset about 24,000 venezuelans with mexico essentially adjudicating these

cases. some have interpreted that as a sign that the administration is going to do more of this, settle this out in mexico before migrants of any nationality make their way into our country. i don't see any signs of it expanding beyond this group, but your thoughts? >> no, and i think it was one of your guests late this week from the border patrol council, i believe the vice-president mentioned it himself, there's a cap. the initiative is smoke and mirrors, nothing is going to impact what's taking place along the border. as i mentioned you have people coming from over 150 different countries and right now they're only deporting a small portion of that, that's from venezuela. why not have that policy across the board for every single person coming across that border. now, that would stem the flow of migrants that are coming across and what that would do buy some time to come up with a policy in place and more comprehensive immigration reform policy while they can stem the flow and allow some breathing room for the border patrol agents constantly

processing individuals, but we're not seeing that and also why now? why now, almost two years in the border crisis why now are they trying to put an initiative in place for only one country. and i don't think it's going to make an impact as far as what we're doing on the state side we're dealing with individuals coming across mexico and central america and human smuggling events and trying to traverse the private ranches. and what's the long-term goal, the long-term strategy for this operation or that the federal government has put in place. neil: lieutenant, thank you very much. as you've reminded me many times, my friends, one country, it's just one country. >> just one. neil: pan a mixture of those coming into the country come from 116 countries. you fight the good fight, lieutenant. thank you very much. >> thank you, neil, always a pleasure. neil: all right. chris olivarez. you've heard a lot about the administration forgiveness plan

for student loans. about 40 million students past or present, republicans are fighting on that, a number of attorneys general are saying they're going to fight this in the courts over the legality of all of that, but the administration is drawing up a plan and they've already come up with an app for that because there is going to be an app for that. let's go to alexandria huff on the latest on that side of the story. >> hi, neil, what we have is a website so far that describes on that, this is a beta launch of the application system so it's available now and at the top is says that applications are being accepted to help refine the process ahead of the official launch. that's going to take place later this month and run through december 31st of 2023. those who submit for debt relief now, will not have their application processed until later this month when that formal window opens up, but they won't have to apply again. again, this is available only to those who received federal loans and made less than

$125,000 as an individual in 2021 or 2020 or as a family made less than $250,000. pell grant recipients can have up to $20,000 in loans discharged. $10,000 for nonpell grant recipients. now, this has been used as a midterm selling point for democrats, but republicans have criticized the president's effort as spending that the country can't afford. this week, the job creator's network, a job creator's advocacy group, chose to block the bailout. saying it's illegally shifted to taxpayers. they wrote that the administration's action does nothing to address the root cause of unaffordable tuition. greedy and bloated colleges that raised far more than inflation year after year while sitting on 700 billion in endowments. when it comes to applying as we've been mentioning, available right now during this beta period. the department of education says the functionality will be intermittent. so if the application doesn't

appear available right now, they're going to have to try again later, neil. neil: alexandria, thank you for that. alexandria huff from washington on that plan and they're going to follow through regardless of the legal challenges and there are ample legal challenges. in the meantime here, take a look what is happening after the big debate in georgia and early voting is on and let's just say, the gloves, well, they're off. >> one thing i have not done, i've never pretended to be a police officer, i've never threatened a shootout with the police. >> you know what is so funny? i am familiar with many police officers and-- >> mr. walker, mr. walker, excuse me, mr. walker.

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rumble in the peach state last night and that's what they got in that big senate debate. georgia voting underway and anything in a race that could be tight as a tick. jonathan. >> hershel walker went into the debate with low expectations and warned his supporters he was just, quote, a country boy going up against a well-dressed pastor used to public speaking and surprised both his supporters and detractors as he debated democrat senator rafael warnock on a series of issues including the economy. >> he said he would not have voted for the inflation reduction act and i think he should tell the people of georgia why they should have expensive insulin and the pharmaceutical companies should charge them whatever he likes. >> i believe in reducing insulin and you have he may not know and i know many people on insulin unless you have eating

right, insulin is doing you no good. you have to get food prices down and gas so they can go get insulin. >> during the debate walker accused senator warnock of being anti-law enforcement and warnock responds that he often prays with the families of fallen officers, you can support police while still being accountable and walker's repeated claims in campaigns that he is a police officer. >> one thing i have not done i've never pretended to be a police officer and, and i've never threatened a shootout with the police. >> now what is so funny, i am with many police officers and at the same time-- >> mr. walker. >> no, no, he has a problem with the truth the truth is. >> i need to let you know, mr. walker, you're very well aware of the rules tonight. >> yes. >> and you have a prop, that's

not allowed. >> independent reporting from the atlanta constitution found that hershel walker was never a police officer and the campaign told the police officer he's an honorary deputy in several georgia counties, neil. neil: well, that was a moment. thank you very much, jonathan serrie. michigan they have a very big contest going on particularly the gubernatorial race and there, they tend to switch the focus not only on the rising prices, but rising crime. and mark meredith with the latest from michigan, mark. >> neil, good morning to you. republican gubernatorial candidate tudor dixon is trying to make the crime issue front and center had her race even as the polls show she's trailing democratic incumbent gretchen whi whitmer. the fbi put out crime data and details, we're seeing detroit, lansing, saginaw, all with

recent increase in crime and rising compared to the national averages overall. on friday, dixon was campaigning with arizona governor doug doocy and she says it's not much of a surprise that voters want to talk about crime and more attention be focused on this issue. >> people are feeling is in areas they have never felt crime, but a problem with overdoses here in the state of michigan and quite a bit of fentanyl across our border and seeing that much more often. >> for her part, governor whitmer says she's fighting crime by investing in training and law enforcement. and won the endorsement of michigan police organization. >> i delivered in bipartisan investment in our law enforcement. a billion dollars for training, for recruiting, for making sure we're shoring up pension for those who risk their lives. >> on the ground we spoke to law enforcement groups and community activists and they tell us they believe both

parties need to do a better job addressing crime and it's an issue for so many people that's truly a matter of life and death. >> all the legislation lately has been about the offender and lowering jail populations or lowering prison populations. and it's not working. >> it does feel like a lot of propaganda, talking points election season and we're left out here to just deal with the stuff when the election is over and kind of how it's been from the local level all the way up. >> there is one more debate scheduled in the race. whitmer continued to lead in the polls and dixon believes her standing will only improve as the election gets closer. >> and thank you very much for that. mark meredith in michigan. the fact of the matter is, crime is running rampant in this country and this isn't a fox fixation, the numbers underlie what i say because across the board they're increasing, pretty much across the country. there's a reason for that, but the biggest of all tends to be the fact that so many bad guys

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>> don't even remember, this was a famous incident, actually infamous incident in new york, a man arrested for wielding an ax around a new york city mcdonald's. he was released without bail at the time. the new york post is reporting he was arrested yet again and released without bail. there is a pattern to this and doesn't ted williams know it. the former d.c. homicide detective, a fox news contributor, he's also a lawyer, that part of him should be suspicious, but he's very, very good what he's done. [laughter]. neil: ted, to your credit here you've cited this as a real

problem. so many who get arrested and then get released. sometimes again and again and again. it's out of control. >> yeah, absolutely, neil. crime in america clearly is out of control. i really believe that at this stage we can no longer continue to stick our head in the sand when it comes to crime in this country. i think that clearly we're at an emergency state and it perhaps maybe needs to be declared. look at that mcdonald's situation. the guy comes in with an ax, threatened the hell out of people there at that mcdonald's. he's arrested, let back out on the street. he goes back on the street, he commits several grand larcenies, rearrested and let back out on the street. neil, i can tell you that's very demoralizing to law enforcement officers who are trying to serve and protect us in these various communities. we've got to do something about

crime. we've got to get a handle on crime in this country and we don't have that under control at this time. neil: i'm always trying to find what was -- what got us here? i mean, some of the early arguments for low and no bail was because it was disproportionately affecting those who couldn't afford it and these are more than negligible offenses, these are life-threatening acts. so what happened? >> you know, neil, we've somewhat lost our way in this country when it comes to crime. clearly, we had incidents like the george floyd situation or in minneapolis, minnesota, that led legislators to believe that they had to be kind of a reformmation in the criminal

justice system and clearly i'm one that's on board that believe there needs to be some kind of a reformmation in the criminal justice system, but we're going backwards, we're letting law abiding citizens-- we're leaving them very, very vulnerable in our society. we cannot survive as a society if law-abided citizens do not feel safe and neil, they cannot feel safe in our society with all that's going on. >> so, where do we go, ted? if we're reluctant to sort of slap down on the turnstile type reaction to bad guys who do bad things and go back and do worse things after that, we're not going to solve this. >> no, no, what we need are legislators to legislate and to protect citizens and stop protecting the criminal element

in our country. we need more law enforcement officers. our law enforcement is now somewhat demoralized and a lot of individuals who have done an excellent job have left law enforcement. we've got to try to find a way to recruit individuals to come in and protect and serve us, or i've said on many occasions, you've got bad law enforcement officers, get rid of them, but the majority, the vast majority of the men and women that try to put on that badge and that uniform. they go out there and they try to serve the community and now they're very demoralized by seeing criminals let back out on the street before the ink is dry on their arrest papers. >> you warned us, ted. i've got to tip my heart to you there. they're not listening to you. ted williams, good seeing you again. >> my pleasure, my friend. neil: ted williams.

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>> he believes that the relationship with saudi arabia needs to be recalibrated. it needs to be reviewed and we need to take a hard look whether or not, to what degree that relationship is meeting our national security interests. neil: it's clear to you guys it's not, i guess. the issue is then, how do you respond to that? a number of your democratic colleagues on the hill have talked about stopping all weapons systems to saudi arabia, just don't give them any more thing, anytime. what do you think? >> yeah, arms sales. and that's absolutely going to be on the table. neil: all right. so what will be the rub after the snub. saudis left the opec and opec country-wide effort to reduce production by two million barrels a day. when you do that it limits supply and oil and gas prices

and benefits vladimir putin, it does not necessarily benefit joe biden of course for that matter any western country worth its proverbial salt. so the impact and what we're expecting from that impact to address that is anyone's guess. jacqui heinrich from washington with more. jacqui: hey, neil. yeah, this week we got a look inside the diplomatic efforts from this white house to stop opec plus from moving forward with oil production cuts, but didn't come out because the administration wanted it to. after days of u.s. officials painting the cuts as siding with russia in the war, saudis shot back in a lengthy statement revealing the white house asked them to delay the cuts for a month, suggesting the president wanted to pass off bad news until after the midterms. u.s. officials strongly denied that, saying they presented data showing the cuts are unnecessary and to the contrary, would actually hurt markets, and asked opec plus to delay any decision just until their next meeting. they also claim the saudis strong-armed other opec member

states into supporting the cuts. >> we suggested that if they did have concerns about prices going down significantly, if their objective was to keep prices at a certain level, they should wait and see how markets reacted over the coming weeks. and wait at least until their next monthly meeting. >> now the president is considering calls from congress to scale back arms sales to saudi arabia in return and congressional democrats have signaled it could come next week. we had three tough economic readings this week, retail sales fell flat last months and inflation compared to last year hit 8.2% and the price producer index hasn't peaked yet. with these conditions ahead of the midterms, the white house strategy seems to be telling people the grass is not always greener and republicans in charge would make it worse. >> one of the things that-- and the reason why it's so

important we win this off year election because a lot of what we've done doesn't kick in until january so people don't know it yet. >> biden is expect today announce a plan on bringing gas prices down next week, but it's unclear if it's connected to the saudis may have talked about and democrats suggested may happen. secretaries working hard to get russian oil to the market, but without letting it benefit vladimir putin they're trying to make this price cap idea work, neil. neil: thank you for that, jacqui. looking forward to see you at the top of the hour with rich edson. where do we go from here? ironically, oil prices have been slipping this past we cannot because of what you think or welcome. namely on the fear that we are going to have an economic slowdown and demand for oil is not what it was. that's not tonic for global economies or for that matter, global markets. for a while this past week we

were in a freefall. and jonas max ferris, and welcome to all. jonas, i ended with you so i'll go to you first now on the administration's likely alternatives here. they could increase production here, that doesn't seem likely, they could punish the saudis and stop sending them arms going forward, that also seems risky. or they could just hope the slowdown takes hold and prices go down of their own accord. none are great options. what do you think? >> well, there's no good options when you're dealing essentially with an oil price war with opec again, almost as bad as the '70s, but not as bad. what the government is doing to letting the federal reserve do all the work by raising rates and that's not particularly a great way to solve this oil problem. we have 7% mortgages, we're

going to cause a '08 style crash in real estate as a solution to this problem? the oil countries are siding with russia. we're not in opec plus, russia is, i don't blame them for doing that. if they're going to threaten to cut demand-- supply, we ought to cut demand. that's the only way. talking cut higher production and keep the markets come calm that it's in the future. and no one wants to hear that raise the gas tax $1 if they cut production, they'll not cut production because the price will plunge like in covid. we have to play the game. they're the supplier, we have to threaten to cut back demand and should do it possibly with taxes if not a gas tax then a payroll tax increase temporarily. we can't just do interest rates because we're going to cause a serious financial panic and the way we're doing now. the government is doing

opposite. giving people money cutting it was taxes and in california doling out money and the federal reserve hasn't said it's a bad policy. and u.k. government conservatives, literally paying their energy bills and funneling money into russia-- >> bottom line, helping them out. i get you, thank you. let me go, ann, to you, one other option out there is to tap the strategic petroleum reserve yet again. i don't know how long it's going to get, but it's supposed to be for emergencies, for a lot of people, the higher prices is an emergency, but-- there have been releases from the releases from the strategic reserves. that have been funded by by the federal government and come out of taxpayer money and look at europe. the shell ceo, one of the major

oil companies globally came out and he said anticipates and would be supportive of one time windfall tax on the energy companies that have benefitted from the oil prices going up and making sure that that is used to support redistribution in assets, those struggling to pay for these bills going into winter would get something back and i wouldn't be surprised on this side of the atlantic as well. neil: i don't know where any of that would go. gary, in the meantime, the markets are getting nervous between higher inflation signs and little to show for the hike in rates that we've had to address them, this situation with saudi arabia isn't helping matters any. not that the saudis seem to care one way or the other, but what will move them? >> i will tell you, lower demand is not going to move them. we can do higher taxes, no effect.

we've got to get control again. we have the ability to get control. permion basin 70 billion barrels, jonas is right, it's a long-term solution, but if joe biden woke up tomorrow and found this inner t. boone pickens and said we have an emergency here and we're going to do everything possible to produce the heck out of more oil in order to get things down, i can promise you, oil is markets. does every speculator, every trader, every investor on the oil market would sell the heck out of price and short the heck out of price and take price down. but that's not -- it's not going to happen. we haven't heard a word of that from the president. in fact, all we're hearing is things like venezuela, where we're going to buy from some creep dirtier oil and more expensive oil because it costs a lot to transport from around the globe. the one solution, only, produce more, but it does not look like

it's in the cards. neil: all right. well, i have a better idea later this week when the president outlines, and the prices slip sliding and a concern the whole globe is falling in a deep recession. we'll see how that works out. and in the meantime, what is happening right now on maybe a rail strike that we thought was solved. that is not and could be happening just the same and affecting our holiday shopping plans and whether the stuff you want to buy will even be on the shelves after this. ...tower cam for a - hey! folks, we seem to have a visitor. it looks like - looks like you paid too much for your glasses. ... who? anyone who isn't shopping at america's best - where two pairs and a free exam start at just $79.95. book an exam today. ♪ ♪ ♪

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some tighter contests elsewhere, but again, the economy is a big issue there, inflation is a big issue there, crime a big issue there as well. and maybe supply chain disruptions a big issue there, particularly for the auto industry. and my next guest knows it, the national division key union not keen on the so-called railway deal scored, he was among the early ones saying not so fast, we had some issues with this. he was kind enough to join us. tony, good to have you. >> good morning, how are you doing, neil? thanks for having me on. neil: thank you. you were not fine with the deal itself. you voted against it or your union did. you're still trying to work through this without immediately going on strike, but how do things stand now? >> yeah, well, neil, you know as-- we bargain within the railroad labor act after nearly three

years of being unable to reach an agreement between the rail carriers and the unions, the dispute was taken to a presidential emergency board mme bc meb -- peb-250 and negotiated a tentative agreement and the negotiators punted sick leave and the railroads were unwilling to negotiate over sick leave. that was the major issue, so, our members voted down the agreement primarily on that basis. neil: so where do you think it stands? do you think an agreement can be scored and we can avoid a strike so close to the holidays? >> that's always our hope. we want to avoid a strike if possible. that's not something we want, so, we sent them an agreement as yesterday, yesterday afternoon and we sent them an agreement that would include sick leave and our hope is that we reach an agreement to avoid

a further disruption, so we're hoping we get there, neil. neil: what kind of a timetable? i'm sorry, what kind of a timetable are you under here to try to get something, anything done? >> so right now it's five days after congress comes back into session and our-- i believe they return into session on november 14th, so five days after that, november 19th that we would be-- have to have an agreement before the parties can take any action. neil: you know, average americans looking at this, they won't know the debate and what it's over and i know you talk about worker conditions and sick pay and all of that, and those seem to be the big issues, but for a lot of americans, their figure fear is the stuff that they want to buy for the holidays for christmas will not be available or if they are, few and far between. what do you tell them? >> you know, neil, my hope is they can and my hope is that

they can reach an agreement. we do not want to strike. our members would prefer to have the sick leave that we're asking for. the railroads have just made astronomical profits. they're some of the most profitable companies in this country and no reason why we can't reach a ta which would include some things like sick leave and some other things that were recommended by the peb and part of the ta are reasonable. but that is probably the biggest issue. remember, we've been out of contract for about three years now and our members work through the pandemic. our members were essential workers and hailed as heroes during that time and they're entitled to-- they're entitled to sick leave. a lot of them suffered through sick were not paid during that time and our hope is that they can-- we can reach an agreement and that everyone can go about the christmas and get their gifts as they wish.

neil: all right. a lot of good men and women behind you, tony. hopefully something can be hammered out. good to see you and thank you for coming out on a saturday. thank you for your time, neil. neil: all right, in the meantime, if facing disruption in the kind of stuff you want to get. there's no shortage of retailers coming up with incentives to make you buy what they have. that's sampling after this.

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>> all right, not a whole lot of shopping days left until christmas, but the sales and deals are on. from amazon to target, to walmart, you name it. they are trying real hard to entice you. is it working? kelly o'grady in los angeles and kat in new york.

have you looked at the sales? are you intrigued? >> no, sometimes i would end up buying stuff i don't need. i'm the kind of person who does holiday shopping in the middle of december. and anxiety really motivates me. neil: all right. well, these are anxious times, prices are generally much higher than they were a year ago, kelly. so what do you do? >> yeah, no, so, i mean all of these retailers, they're moving up the discounts, but personally i'm waiting until black friday because we're going to see some of the biggest discounts ever. upwards of 30% on computers and electronics and i think that's going to help folks that are kind of dealing with that cash flow issue like okay, let's wait for the really, really, really big deal. neil: you know, you're right about that, electronic items, laptops, 30% less than last year at this time. one of the few items that are. really, kat, it seems to be whether you go for that or

something that's not risen up as far as other items, but it's going to be tough because most people are going to end up spending more this christmas than last because of that, what do you think? >> right, absolutely, and obviously most companies, a lot of companies have this huge surplus of inventory because there were obviously issues at the shipping ports and that was solved and boom, all of a sudden it's there and there's inflation and people aren't want to go spend as much so things are more expensive. they're going to have to discount it because they don't have room for anywhere to put it. neil: and we spoke to one union leader, the rail strike could be back on and you've covered that, kelly and regardless of the price, if you want to get something, you better get it fast. are you motivated when you hear news like that? >> yes and no. i think if you're going to buy online, yeah, you have to get that now because you have to wait for it to come in, you know, shipping costs might go

up, if we do a rail strike. to kat's point, there's a lot of inventory, if you're motivated and wanting to go in the stores and madness on black friday, that's where you'll see the retailers slash even more than 30%. >> you couldn't pay me to do that. neil: you're a tough one, you're a tough one to win over, kat and notoriously cheap? >> i'm going to buy everything online. if it's not online, i'm not going to get it. however low the price is what it costs me emotionally to be in a store on black friday isn't worth it. i don't have the emotional bandwidth for that. neil: my version of hell is the shopping mall, no offense to shopping malls. >> absolutely, absolutely. neil: kelly, this is going to be a doozy of a holiday, isn't it? >> yeah, i think so. i mean, i think though that if there's like one or two, you know, items that really big gift that you have in mind for someone, like that's what you

prioritize, right? and we're seeing folks do like a buy now pay later type of thing and there are those options as well. neil: see, i just like to pit my kids one against the other and i love this one more than you they're going to get this, but probably not a wise strategy. ladies, thank you very, very much. have at it shoppers, these are dicey times, but the deals can be had. it's your va home loan benefit. it lets you borrow up to a full 100% of your home's value. with home values near record highs, the newday 100 va loan can get you an average of $60,000. and you can lower your payments by $600 a month. pay down your high-rate credit card debt, personal loans, car loans. best of all, there are absolutely no upfront out-of-pocket costs with this loan. rest easy, knowing you'll have cash in the bank during these unpredictable times. remember, your va benefit never expires.

>> just a little over three weeks to go until the midterm elections and candidates are going head to head in many contentious races across the country, including the senate showdown in georgia between rafael warnock and hershel walker. the two faced off in a fiery debate as senator wahas a lead over his