i hope dan shaffer is wrong.u for being [talking over each other] cheryl: tracy: when congress returns in november the house will only have a mere 20 scheduled days left to try to save our country from the fiscal cliff. it is uncertain how many days the senate will be working but a new report says if the country does fall off the cliff we should not worry about it. it will cost american households have an average of -- 90% of americans could see this tax spike in 90 days when combination of higher income and investment rates and expiration of other tax breaks start taking effect. $3,500 is a lot of money. dennis: when the consequences are so awful they will work it out. figure out a way. be hopeful. president obama and mitt romney make history in their first presidential debate tomorrow night. fox business will be there and neil cavuto hosts special coverage at 8:00 eastern time tomorrow. tracy: is your boss spying on your cell phone. an interview you need to hear before agreeing to get your company's e-mail on y