a scientist claims he knows why women live longer than women. show starts right now. > good monday afternoon. mounting evidence against the mortgage lenders. they're saying, trust us, and for the most part -- bank of america admitting to at least a dozen or so errors in the first few hundred foreclosure documents. our friends did the math assuming 500 files reviewed so far. they found between 10 and 25 errors, which gives you a rate of about 4%. doesn't sound that bad, right? with more than a hourks thousand, their kids taken out of school. it's a mistake though. bank of america could resume foreclosures as early as this week despite finding those

mistakes. again, try to explain that to the 4,500 homeowners getting evicted by injecting their bad loans into our government as they have been for years and covering it up with money printing and avading an investigation. while the lenders make their so-called mistakes, washington makes believe we don't have a problem in a way to try to keep their jobs. joining us now, someone who does get it on this issue, lisa epstein has been described as a foreclosure nurse. jump-started the fire storm over this controversy through our blogging. lisa, you've called these weapons of mass destruction. what do you mean? >> well, i mean that the mortgage-backed securities, i think they omitted the mortgage-backed part so they've created these securities. they used the average american

family to bomb. they managed to take every cent from the american citizen, whether it's through a fraudulent mortgage, a fraudulent origination, whether it's lying to the pension funds or 401(k) investors. whether it's packaging it up and getting insurance because it was a bunch of junk to begin with and then we bail out aig. whether it's our jobs and our economy. whether it's grading us on credit scores they have decimated and then they went out in the world and spread this scourge. mortgage-backed securities is the wrong waste. there's no mortgages backing these securities. they didn't put them in. i think we should call them malicious bankers with syphillis. we need to take our medicine.

these bankers need to be taken out. >> are you surprised, a year into this, and if you're free at 4:00, i may want to take a couple of days off. you seem to have a good handle on this situation. we'll be in touch. if you look at the government's failure to respond, failure to investigate, effort to cover it up, the language from our president, the t.a.r.p. lie, tim geithner with one lie after the other, how many longer do you think the federal government can get away with lying and covering it up before it blows up. >> right. well, you ask an excellent question. i believe we are at a critical point. it's amazing we are just a few weeks away from an election and not a word from many, many candidates.

alan grayson is a notable example. what i believe will happen is one of two things. we will decide to prop up this -- this fake economy that the bankers say their balance books, i don't know how many banks are claiming the same mortgage over and over. it's fakery, it's fraud. will either prop it up after we have taught our citizenry, don't trust the government. the judiciary holds now recourse for you. protect your own. there will be -- i'm sorry. there will be -- >> vigilantes. >> i'm so sorry. it's a little nerve wracking. >> you're doing great. >> there will be vigilantes across america just defending the home they have their children in because they are predators coming in to take the property of americans, so in ten years, it will be a much dangerous time for this to fall

apart as opposed to let's take our medicine now. we have dark days way head. we have allowed perpetrators and predators who are abusive and dangerous to take over and infiltrate the very fabric of me america. we need to rest whatever we have left of the democratic republic out of the hands of these criminals. >> bill black joins us. you've been listening to lisa epstein, who runs a blog and is a register nurse and really captures the soul of the american awakening. all too familiar with the structure of american finance and how riddled with fraud it is and how self-serving it is to the politicians and executives in charge. what can be done at this point by someone in my position, in lisa's position or any other positi position, to prevent ten more years of pretending and fraud so

that we end up with the total dismantling of the social contract in this country and intervene now when there may still be an opportunity to begin a restructure? >> well, you can continue to do just what lisa and you and folks like us have been doing because it's starting to work. last week, for the very first time, joe stiglitz said this crisis is all about fraud. now, krugman still can't bring himself to use the "f" word very often, but empirically, we know lisa isn't the sole. geithner's are wrong. here's some numbers. credit swiss says that by 2006, 49% of all mortgage originations

in the united states were liars loans. the lowest incidents of fraud is 50% an that's when the fra fraudsters study it themselves. when independent folks study it, it's in the 80 to 90% range. that means there were millions of acts of fraud. those frauds occur not because there's some clever person making 20,000 a year who is able to deceive the banks, but because the banks created incentive structures for the loan brokers to bring them the absolute worst of the worst loans and to lie on the application forms to hit the magic ratios on loan devalue and things like that that a homeowner wouldn't have known what number to put in. so these frauds came from the banks and they propagated through the system through a series of what we call echo

epidemics in which they got appraisers first to give them grossly inflated values. there are excellent numbers on that. to give outside auditors opinions on ludicrous financial statements. and every sing m l time virtually, they were able to get a triple rating. so this fraud did in fact spread through the system and that's why we have a crisis in foreclosures now. this is not a random, unrelated fraud. this stems from the underlying fraud by the lenders in mortgage loans to the tune of more than -- well over a million cases a year by 2005. >> so, if we were to look at the two ends of the spectrum that most affect americans, the homeowner, which we've been discussing and then -- what i would argue the secondary, all of the taxpayers who are being asked to support this corrupt

and fraudulent banking system through fannie mae, freddie mac, the federal reserve and direct expenditures authorized by our congress. in addition to what we're doing on foreclosure, what can we do to amplify the demand to see what percentage of the paper given to the guts of the american taxpayer in 2008 by george bush and hank paulson and perpetuated by barack obama and tim geithner, what percentage of that is fraudulent and why don't we know that two years later? >> that's exactly what we've been calling for. why didn't we know it at least five years ago when this was done. bernanke has just announced they're going to do an intensive review of the assets up to this collateral. so, you wait a year and a half and then look at your collateral. now, what would happen if you were the most junior vp at a small savings and loan if that's what your approach to business

would be. this is supposed to be the most sophisticated guy in the world. we should look on a scientific basis. we have the ability because of fannie and freddie, the federal home loan banks and federal reserve taking all this money in collateral, to do a superb samueling job that will tell us what happened in the market. it cannot be done by the fed. the fed cannot admit it took over a billion and a half dollars in toxic garbage and didn't recognize the losses on it. it's led the cover up. it's the feds through bernanke delibera deliberately, working with the chamber of commerce and the american bankers association, who got congress to extort the financial accounting standard board to pervert the rules so they wouldn't have to recognize the losses because they don't

have to recognize the losses. they report false income. all of those things need to change. we call for bringing in the fdic, which is the best of the worst. have you had a chance to look at barofsky's report? >> yes. >> yes, exactly. where ever we look, we find massive froaud. and fannie and freddie have started to look. blackrock. pimco. and one of the major monolines looked. said that 97%, this is amback, said that 97% of the loans that country wide provided to it were sold under false reps and warranties. >> i'm going to wrap this up on the bases of time, but i have to

really start to wonder how much longer this president or any president can get a -- or any political party, can get away with the turn the page and we'll just move on and be friends concept of economic policy when fraud is at the core of the system. >> no convictions. versus over a thousand in the savings and loan debacle. fire holder, geithner, bernanke. get people in who will enforce the rule of law. >> professor black -- >> and stop the foreclosures. >> we look forward to having both of you back to the extent to which you're making it easier for everyone to understand this problem. i thank both of you and come to really understand the scope of the problem. people understand why a very deliberative and real response to this is what's in order. for this problem.

thanks. coming up, an inconvenient truth and this isn't about the banks. this is about the wars. 400,000 pages of inconvenient truths. we'll break down the new wikileaks files and why our government, sound familiar? would rather bury the evidence of crimes, murder and destruction perpetrated with u.s. dollars, u.s. hands and a u.s. endorsement. two out of three killed in iraq, a civilian killed by an american. no investigations there either. we're back with details. wonder how much this country can take.

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introducing bayer am, an extra strength pain reliever with alertness aid to fight fatigue. so get up and get goin'! with new bayer am. the morning pain reliever. welcome back this afternoon, we are more than 391,000 new reasons we cannot turn the page on the iraq war anymore than we can turn the page on the american housing crisis no matter how much we or our politicians may want to turn the page, it's difficult when faced with the truth. the documents released by wikileaks over the weekend painting a more troubling picture of the seven-year long conflict. brutal killings by private contractors to kill people on your behalf.

prisoner abuse. killing civilians with your money paid off by the bush administration to kill middle eastern civilians. iraqis continue to torture through 2009 while being supervised, but ignored by americans. more iraqi civilian deaths made public. two out of every three people killed by american coalition forces were civilians. you have to question any country that has to kill civilians at a two out of three ratio in order to perpetrate its war or terror. meanwhile, iran's role in supplying the enemy with chemical weapons continues to merge as with wikileaks first document, the pentagon condemned this and said it put the lives

of our troops in danger. meanwhile, this condemns the authority of those making these decisions when you consider how much they lie to the american people to do it. joining us now to break it down from london, david lee from "the guardian," and lieutenant colonel anthony schafer, author of "operation dark heart." the pentagon was not pleased with his release either. tony, when you look at the number of civilian deaths killed under the american flag with american dollars, financing their murder, 31 a day, 60% of all the deaths, is that as alarming to you as it strikes me? >> yes, it is and i think this is one of the failings of the pentagon and i think it was

demonstrated by the way they went about looking at my book and this issue, too. i worked for a general that said bad news doesn't get better with age. in this case, they got caught in a lie. they were tracking these numbers and it was far worse than they wanted people to understand. this is a failure of integrity and oversight, one which needs to be examined. you and i are considered as friends. this is not a political issue. not democrat or republican. this is basic accountability that has not been done adequately. >> i'll move to the second charge. american soldiers ignoring torture and murder of iraqi detainees. david, what can you tell us about this? >> we spent several weeks going through these documents. what we discovered was that there were more than 900 separate incidents reported of

what they call detainee abuse. the iraqi security force, particularly the police, appear to spend their time beating, torturing and in some case, executing their prisoners. the u.s. military were ordered it would seem to stand by, let this happen, not intervene. write a report, make no investigation. >> one more charge and then i want to get a summation. when you look at the iran supplying chemical weapons, tony, how much of that was known, how much goes into new information and how disturbing is it and if it's disturbing, where, when and why? >> i think it's disturbing by the fact that apparently, we knew about this. we did not, i believe, adequately, act on. from what i've seen and heard, the pentagon's not disputing the information, which must mean it's fairly accurate. we have been, i think, in this

backtracking from putting pressure on the iranian to not do bad things to us. clearly, the iranian have been out to not be cooperative for a while. i think this was done, i think the interest was to try to put an olive branch out to ignore some of the bad acts. it's time we understand the iranian are not out for anything other than themselves and whatever we try to do, no matter how we try to do it, we'll be essentially targeted by them in some form. >> and speaking of which, news today that karzai is also funded by iran. karzai, a good business man? >> there's a great deal of evidence both in the war logs leaked earlier that president karzai has a very dubious relationship with money and very

dubious relationship with iran. >> i appreciate you guys offering us some perspective on what can be not only difficult to digest information, but difficult to put in context information. you both make that easier. dav david, thank you so much and tony shaffer. i want to take a second and formalize something we've been doing on this show for some time. that is our aspiration not to offer you my point of view, although frequently, that is what you get, but more importantly, to offer you what we see as truth to power. whether that's rebuttal of anything i think, you think or any of our guests think. focus on what is true and represent it as effectively as we can. i think between the bank conversation and now this conversation on the war, we found the right occasion to

begin this process. truth to power on both. the core issue is this. as we learn more and more about exactly how this conflict unfolded, what becomes obvious is the degree to which at the highest levels of leadership, whether at the top of the media or political spear, the office of the president, defense department, pentagon, state department or across the media, either by ignorance or by choice and in many cases, it is by choice, they have kept the american people in the dark about activities that surely our tax dollars would not be used to fund open slaughter of innocents and torture for years after we were told our money would not be used for that purpose. whether you believe iran is a serious threat, whether you believe the iraq war was the

best thing we ever did, the primary problem of solving in america right now is not covering up these issues or arguing our differences. instead of sweeping everything from mass theft to mass murder under the rug, it's time for some major investigations in this country. and while what decisions we make as a country are important, the only thing more important than what is how we make our decisions as a country. and a country that makes decisions through monopolies, opaque systems, systems that depend on lies and deception and misdirection that reward fear and exploitation is a country with a lot of room for improvement in the way it makes decisions. it's a good thing we're all here, right? an opportunity we can seize and i believe we are seizing it if you're watching this program. if you're engaged in this message, that we are seizing to gather the courage to admit that

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i'm talking about my dna and every other man watching. everybody's living longer, it's just that women are staying alive longer than men, period. researchers say that guys are by logically disposal, that the female body is better at maintaining itself. a human is not the only one who experiences this. it's not just overall life expectan expectancy. studies show that men have a better shot of dying at any age whatsoever ever when compared to a woman or female of the same age. there is a silver lining, however. which is that apparently, we will not have to worry about this 50 years from now as we will be able to upload our brains on to our robots. still ahead, pay cuts in pro sports.

athletes are feeling a pinch in the economy and worse management. you know it's a bad sign when it costs a lot and you get a little, kind of like what our everything our government does for us. the opaque systems are extracting our company to death. plus, slash and burn america while the extractors suck the money of this country, our politicians want to cut spending. just when you thought it couldn't get more inside out, upside down and down right assenine. what would the u.s. look like when we pretend china, education and foreign oil aren't sucking us dry? and on the show tomorrow, we're holding court with the lawyer who helped convince is supreme court and corporations and money are free speech. james b oropp jr. joins us liver

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downsizing and cut backs now about to hit our star athletes. owner-player showdowns shaping up. the nba looking to shave salari salaries. owners could ax some teams entirely. meantime, a more intense game of chicken may be developing in the nfl. owners want a billion dollar cut in player compensation in part to off set costs of new megastadiums like the new $1.6 billion meadowlands. the players so far, not okay with the game plan. and if the sides can't reach an

agreement, we could see a lockout. joining us now, dave, sports writer for the edge of sports and writer of "how owners are ruining the games we love." we've got a common thing on this show, which is that opaque, bureaucratic, monopoly systems tend to suck the life out of everything they touch. is it appropriate that the pro football players who have an extraordinary short life expectancy, short career span, no health care, are beaten senseless if not having their heads cracked literally open and given no care afterwards while the owners build multibillion dollar stadiums and cut their pay? am i picking up the wrong metaphor here? >> no, you're getting it right and you can add how the fans get beaten up in that argument as well. this goes with the theme of your show, dylan, that the debt is

socialized, but the profits are privatized, which hurts communities. it's an absolute joke because as the nfl is saying on the one hand, that concussions are a major issue in the sport and can lead to these terrible things and the league is having these financial problems, they also are saying they want the season to be two games longer, so yeah, the union in this case is fighting mad and the ownership has an advantage. they get paid if there's a lockout or not. they get tv money, corporate sponsorship money. they can ride this out in a way the players cannot. >> if you were to look at the core issue, with the nfl being our example for everything we're trying to solve, the opaque control p china, the banks, education, big problems, if you look at this as a laboratory for that problem, what is the core problem?

is it that the players and owners, instead of being equity partners, share the pain, share the gain, is it that the players are -- the owners making money at the player's expense instead of in partnership with the playe players? >> the number one problem is that the books are closed, so the owners are allowed to make all kinds of claims about losing money while they're signing players to huge contracts and getting new stadiums to open. of course, people like jerry jones can't get naming rights to even sell the stadium, so you've got that problem on one side -- we're losing money, just not going to show you the books. even though your playing career is three years and you die two decades before the typical american mail, trust us. >> we should get them a job at

the treasury department. number one, the opaque books. anything else that we could go after to try to improve the overall function of this system? >> absolutely. look at green bay for a moment. there were on nbc last night. this is a team and the nfl hides this, that's actually fan owned. people ask me, who's your favorite owner in sports. i say the 102,000 owners. the nfl hides this fact, but if you go to green bay, you can see the way the team and stadium acts as a buoy, a life raft, a point of pride for the community. there was a snowfall before the playoffs a few years back. they put out a call for volunteers, for fans to shovel the field. hundreds showed up. imagine if a similar was called to shovel snow at the

meadowlands. what would show up? >> it's amazing, the partnership you just referenced as opposed to opaque which rewards fear mongerers in the world. this system, running our country right now and most of our major systems. we're going to fix this. only reason we haven't fixed it yet is because no one will admit we have the problem. we're a rich country. just got to decide to do it. up next, america's independent voters speaking of deciding to do it, caught between the devil and deep blue sea. next tuesday, the question's going to be, are you voting "d" or "r"? hey, did you ever finish last month's invoices? sadly, no. oh. but i did pick up your dry cleaning and had your shoes shined. well, i made you a reservation

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we're back with our monday megapanel. they're here to break down the stories before the midterm election. any way. our panel today, chrkrista freeland, sam -- not sam sader. they had a lunch meeting with me.

said it's not saider. sam cedar and a new panelist and one i'm delighted to welcome, tim carney, senior political columnist at the "washington examiner" and a protege of mark tapscott. what are the independents going to do? >> well, i mean, if you believe the polls, they're going to vote little bit more for republicans. >> just a little bit? >> these polls are very difficult to measure. who knows who's going to be a likely voter and you know, it's no surprise that their numbers jumped in the past month for republicans. went up about 10, 14 points over the past month or so and i think that can be tied to the -- they're looking at hundreds of millions of dollars of outside

ads. let me ask you a question. >> if you wouldn't mind wearing such a hat, that's assuming independents go in there and i don't know what to do, these people in there have got to be replaced with this guy and i'm doing it and it's republican. how can the republicans actually exploit the fact they're getting votes that may not be republican votes, but could become republican votes were the republicans to decide to actually accommodate the sort of solution seeking to the complexity the county seems so in desire of. >> it's cutting spending and keeping taxes from going up, but i'm not confident they're going to do that. today, we had jerry lewis warning carly fiorina, you better not go after earmarks.

>> here's the interesting thing because to pick up on what tim just said, the traditional republican interpretation, spend less money, tax less money, we'll have less problems. at the same time, we have a unique situation where you've got a banking system drawing money out, china rig china situation drawing money, not putting money. health insurance monopoly. education fragmentation, 19,000 school districts. if you were to look at either cut taxes, cut spending argument or any other argument, what should they be for? if people look and here, forget it, they should tax it, what should somebody who wants to solve these problems politically, what issue do you think is constructive? >> well, first of all, i think just speaking to sam's point at

the beginning, i think this is a disaster of the economy stupid vote. unemployment close to 10%. people are angry. they should be angry. to your point, dylan, what is really difficult and hard about the situation, everybody knows the problems are complex and that these are long-term problems that have been building up for -- >> multidecades. >> exactly. i think it is tempting for us to want a really simple solution. there's also a very simplistic republican solution and the thing that is scary for me is this is an incredibly complicated moment. you have to figure out -- but figure out where the global economy. >> the republicans have shown they're not interested in pol y

policy. there's one issue, if you are an independent and you have a problem with what's going on, that would be campaign finance reform. >> the democrats have had two years to show they give a damn and they've proven they don't. >> my point is it's not a question of cutting spending. no economist would do that. we haven't spent enough and it's clear. >> i'm not saying, which i advocate, but there is a point of view that says the real solution is dramatically cut government spending. >> let me introduce a different idea. i have no idea what to do. you have no idea what to do. you have no idea what to do and you have no idea. it is my point. nobody knows. this thing's big time, big league problem. very complicated.

what we know is that you've got heart disease. i've got heart disease. we have a complicated, syst systematic problem with variables attached to it and it kn needs a major renovation. maybe the first thing we need to do a create a cardiac theatre so we can have a conversation. maybe we should cut spending. talk that out. maybe we should do this. but we don't even have an environment where someone can introduce an idea. >> republicans generally last two years, have not been interested in policy. i also think the democrats are just as guilty of this sort of partisan posturing, and for the next two years, president obama will be trying to make difficult for republicans in the same way that bill clinton did after the '94 election. >> only thing that would counter that, housing problems, lack of

pensions, expense of energy, volatility and trade continues to go up, i think the demand -- again, we need a cardiac theatre for a place where we can walk in, what do you think, doctor? >> the thing that is kind of tragic about america now, that is one of the things that obama came in wanting to do. that's what he said and that was the influence behind his effort. >> i think the thing we have to agree on is that we are in a crisis mode when you have 9.5 or 6. we've got two flat tires and we have to address that, which means you need spending. >> you need three stages. first, stabilize. need some sort of rapid response, but to the conservative rebuttal to that,

which has validity, it's just another way to keep your job and make it somebody else's problems. >> and as our records show, for me, the danger is people are going to pick the solution that sounds simple. >> that's what cut spending. >> they all -- anything that's good, my bumper sticker, none of the above. that doesn't work either. >> that doesn't work. >> that's why i'm an afternoon cable host, okay? sam cedar. tim carney. i had to look down the paper to see tim's last name. i hope you weren't insulted. >> can i give you a bumper sticker? >> please. >> a poetry quote. the best lack all conviction and the worst lack passion. it's the moment. >> it's true, but won't fit on a

bumper sticker.

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week to the election. political ads filling up e-mails, in boxes. all that money getting spent now, baby. keli goff has had nuchlt the floor is years. >> there are a lot of things i'll miss once the elections are over, but one thing i won't miss, the political ads. i'm not sure when it happened, but it seems that ads moved from not making the cut on america's funniest home videos. consider christine o'donnell -- >> i'm not a witch. i'm nothing you've heard. i'm you. >> believe it or not, that's not

even the worst of the bunch. there's this little ditty that i would like to recommend be used in interrogation rooms. ♪ mike mike mike working hard for you and me ♪ after hearing the song on a continuous loop, any criminal would talk just to make it stop. then, the demon sheep ad. all i could think while watching this is of the emperor's new clothes. she would have been better off buying wool sweaters and handing them out to voters. it was that bad. or should i say baad. we women love it when men call women witches. and then there's the candidate who flirted with gay stereo

types with an image of a hip swiveling barney frank. in past years, there are always one or two ads that will be talked about for years to come. it's still considered one of the most racially lly inflammatory in history. hillary clinton's 3:00 a.m. ad belongs on the list. recent political ads have begun to resemble the first few rounds of "american idol." i cannot wait for november 2nd, when we finally elect our political eye dolls aidols and d ears can be spared. >> i've got a theory, which is that the system gets what it asked for.

if you've got a system that rewards manipulation and stupidity, you get that. if you have a system that rewards greatness, you get that. >> i think you're right and you're on to something. >> if you look at what that is, i would argue that the moral pace the system is, and the more it's a monopoly, the more crap you get. >> direct corelation between quality of candidates, ads and of the field. >> i guess the question is, how bad does it have to get before we stop worrying about the candidates. i'm not sure it matters who the candidate is at this point, and start worrying about the system by which they are chosen, the same as the nfl is run through its ownership structure. have we lost our minds? >> without question. >> the march is on friday. >> i wasn't giving a plug.