i am david asman. we'll go in focus with steve and elizabeth and victoria and mark and rick. steve, you are a perry guy and like the flat tax idea. how about this one? >> it is a good idea. less congress meets, the safer the republic is. and longer congress meets, more the government gets gummed up. a flat tax and undo obama care. the less they go to washington the better. they didn't know about air-conditioning that allow them to stay through the summer. >> mark, the less we see of these guys, the better? >> you know, david, it is spoken. perry is a part-time governor who is a ceremonial government and has little power and spoken like a person who works part-time with not much understanding of the complexity of federal government and how it is run. we have a 3.6 trillion dollar budget and two million employees in the federal government. how are we going to solve the problems on a part-time basis? it is a bigger economy now than when we started the country. >> bottom line, rich, would it help or hurt having these guys guys work time. >> i think governor perry's heart is in th

joining us fox business network's david asman. david, are these hidden costs? the banks telling us that and -- >> no, they are hitten costs. have you ever seen an at&t bill for mobile? i don't know if you pay those or do it automatically --. jenna: i like to close my eyes and hit pay button. >> so many little charges. you're nickel and dimed to death. beginning to look like that on your bank statement as well. you have you to take a magnifying glass and look at all the details. if you want to transfer money by wire there's a charge. if you lose your debit card and want it replaced there is $5 charge. $25 dollar charge if you want it overnight. everything done there is charge added to it. jenna: why? >> because banks are not making as much money as they used to. back in the glor days, mid 2,000s and interest rates high enough and loans were going out because companies weren't distressed. they were making a lot of money on interest on the loans. banks are afraid to lend because so many companies are in trouble. with interest rates at zero they're not making money