i want to thank emily ethridge for joining us. emily ethridge is on twitter, @cqrcemily. thanks so much. guest: thank you. host: up next in our weekly "your money" segment, we will turn to a key federal whistleblower law. but first, a news update from c- span radio. >> it is 9:16 a.m. eastern. the federal authorities have begun their investigation into yesterday's new york city commuter train crash that killed 4 people and injured more than 60 others. the national transportation safety board says investigators would spend up to 10 days looking at all aspects of the accident that turned over 7 cars and a locomotive. way, wasotive, by the right this morning. "the hill" writes that the house could act in a flurry of by partisan deals or it could head home for the holidays and beheaded. negotiators tried to finish conference reports on the budget am -- head home for the holidays empty-handed. negotiators try to finish conference reports on the budget. a likely scenario is 1 or 2 of them will be kicked over into the next new year. epa administrator gina mccarthy is making chin

that is what they say, but only after being questioned. >> emily ethridge a health care reporter. have you started health care issues? >> i started in 2010 after the law was signed and i have been following it every since. >> we have a few callers waiting to offer questions. jacky is up first on the line for independents. >> there is a couple questions. i watch the hearings when they brought kathleen sebelius before the congress to ask pretty important questions like why wasn't this working and why were they not prepared. do i understand they did go outside of the united states to hi hire. if it turns out there was a brief of contract or something like that, they are going to be dealing with foreign laws. why with all of the intelligent people we have in america, why, if they did go outside of the country, why couldn't they use someone in the united states? >> yes, well there are several contractors working on this project. and almost all of them are u.s.-based. one is head quartered in england but all of the officers and managers are in the united states. they are in charge of pr

you're on with emily ethridge. caller: good morning. a couple of questions.atched the hearings when they brought sibelius before the congress to ask pretty important questions like, why was this not working and why were they not more prepared. am i to understand they did go outside the united states to hire the web older for this, and if they did, why? >> we will leave this discussion to go live to the white house for president obama. he will be making remarks on world aids day. >> ladies and gentlemen, on appreciatee, i valerie's remarks and want to make sure that you all did have a copy of our report. this is the white house report. the president has been briefed on it. it is a very important document, full of data, full of the information that valerie went over very briefly. strategy that the the president released three years ago, an update on how far we have come in terms of focusing on the evidence and concentrating resources. the epidemic is most concentrated -- both in cop -- and populations and geographically. treatment ishat prevention. people who g

you're on with emily ethridge. caller: good morning. a couple of questions. i watched the hearings with issa when they brought sebelius before the congress to ask pretty important questions like, why was this not working and why were they not more prepared. am i to understand they did go outside the united states to hire the web builder for this, and if they did, why? if it does turn out these people were incompetent and breached a contract or anything like that, they will be dealing with foreign laws. why, with all the intelligent people we have in america, if they did in fact go outside our country to do this, why could they not have used somebody in the united states? guest: there are several contractors working on this project. almost all of them are u.s.- based. there is one that has some ties and might be headquartered in england. all of their actual offices and managers and employees are all here in the united states facilities, especially the midwest. if you do not enroll online or in a call center, you enroll through paper and then get to these circl