lee farkas, the former chairman of what had been one of the lee farkas, the former chairman of what had been one of the nations largest private mortgage lenders, has been sentenced to 30 years in prison for his role in a $3 billion fraud scheme. prosecutors say the fraud at taylor, bean and whitaker contributed to the collapse of colonial bank, the sixth-largest bank collapse in u.s. history. today in court, farkas did not apologize, but he did acknowledge taking risks. >> tom: beginning tomorrow, health insurer humana will not hire smokers at its arizona facilities. existing humana employees in arizona who do smoke have been encouraged to join a program to help them quit. the company picks up the tab. those who join the program or who do not smoke will receive discounts on their health insurance. >> susie: if you have a kid in college or about to start, tonight's "kids and cash" has some tips on keeping your student debt-free. here's neale godfrey, c.e.o. of the children's financial network. >> the mere words "off to college" and "credit cards" should give you goose bumps. the scary ne