if they do file bankruptcy, all of the debt they have because if they file jointly, all of those debts have to be included and it will destroy both credit courts. bankruptcy is not always the worst option, it probably should be the last option. but it's a recognized -- i keep telling people this, it is a recognized method for getting out of debt to help you to get out of debt. >> i get why -- i would love for you to not file for bankruptcy, this isn't a case where there are a ton of medical bills. you worked on the home, a lot of expenses and you could possibly repeat this scenario down the line. we don't want you to do that. let's look at your pay-down plan. if you can find the money, we're going to work on that, you can pay this down quickly. right now what you're paying, ten years and eight months and $50,000 in interest. if you can add and i know you have high new minimum payments, if you can manage those and find whether it's getting another job, cutting the budget, another $100 a month to the highest rate card, you could be out if four years nine months and pay less in interest,

if you're here legally. >> if you're here legally, right. >> and if you're a child. children as well. but it gets murky if for example someone is married to an undocumented worker what happens to that couple? what happens to their children? all of that sort of gets a little more murky. >> nobody is going to give illegal immigrants insurance. >> no, no. they're not. >> if it's an economic argument again that uninsured people cost more money because they show up in the emergency room, they use those services, if you make the economic argument then it does make sense to cover everybody because they are still going to utilize the health care system even as undocumented workers. >> it's politically impossible. >> let's go to the other issue that's drawn a lot of heat at town hall meetings. abortion. listen. >> abortion is not health care. it is not health care. has not been. and, ladies and gentlemen, fellow citizens, if this thing passes, you and i and every other american, whether we support life or not, will be paying for abortions. >> i do not want to pay on a health

if they will at all. plus other groups powerful and well financed groups that also have a big stake in reform or in stopping it. we'll talk about big farm made, insurance companies, doctors, employers and more ahead on extreme challenges, health care. >>> we're talking about your care. president obama has been trying to drive home the message that the way prices keep rising and the way the system works thousand simply cannot work much longer. >> our system really is not a health care system. it's more like a disease care system. right? we wait until people get sick and then we provide them care. >> whatever you call it, here's thousand works. you how reform would change it and who is it a sdak hoerld. according to numbers from the nonpartisan commonwealth funds, 164 million americans have insurance through work. they would keep their coverage though companies could change their providers and plans the way they already do. premiums would likely stay the same. 14 million americans buy insurance individually

even if it did, every torturer in the world believes that they were doing it for a good purpose if wee no better than the rest. for the obama administration, this presents a big challenge, ed. it's great that holder declared there will be an investigation, but the audacity of compromise is not what people voted for, and the aclu is calling this plan anemic. we have been blood soless so lo anemic looks good. we don't need compromise, and we need to go to the top. >> is there a backlash coming to the democrats and the obama administration if they are perceived to go too far in the eyes of the american public. how do they gauge how much the public want to know about this? >> i think obama has handled this quite astutely. he basically says he doesn't want any part of this. he would rather look forward than backward. the justice department is independent of the white house and they can pursue investigations where they find illegalities occurring. as to what ron said, the cia inspector general did not prove cheney right. cheney said enhanced interrogation techniques, such as waterboarding w

if you're unsure, if you think we're going sideways, this is how you do it. you can move it in with a chunk of cash. you don't have to take today to do it. simply set it up with your fund company or your 401(k) provider. >> everybody does this. they'll allow you -- >> i have a friend whose oldest daughter is going into college and another daughter 2 years old, he said he just got killed on the money he saved in the markets for the older daughter. but the younger one he was piling money in that one. but that's what the whole point is. >> i think that's important. you deal with a lot of people when it comes to financial planning, people are planning for their immediate future, for the kids and education. you don't want to get derailed by what happened in the last year and be scared of the market. >> if you're thinking about the last year and what's going to happen next week, neck year, you're talking about being a speculator, not an investor. you need to get back to being an investor. it's one of your goals. for 10 or 20 years, these are the strategies you want

if you do the responsible thing, if you pay your premiums each month so you are covered in case of a crisis, when crisis conseque have a heart attack or your husband finds out he has cancer or your son or daughter is rest to the hospital at the time when you are most vulnerable and most frightened, you can't be getting a phonecall from your insurance company saying your insurance is revoked. it turns out once you got sick they scoured your records looking for reasons to cancel your policy. they find a minor mistake on your insurance form that you submitted years ago. that can be allowed to happen. one reports-- [applause] one report found that three insurance companies alone had canceled 20,000 policies in this way over the past few years. one man from illinois lost his coverage in the middle of chemotherapy because his censure discovered he had not reported gallstones he did not know about. a true story. because his treatment with delayed, he died. a woman from texas was diagnosed with an aggressive form of breast cancer, was scheduled for a double mastectomy. three days before surg

if you read it closely, it's as if the president is prevented -- it says if the president prevented fromto would be in effect. so, you have a case where the congress has said, is not impossible. we have an agent. that led to a lot of litigation. as well as the pocket veto cases later under presidents ford. he adopted this kind of strange, hybrid version. president ford sent back bills with a message, but then claiming to have pocket vetoed them at the same time. that seems quite odd. the congress decided to treat that, and again, their decision, democrats versus a republican president, was to say, this is not a pocket veto. you returned the bill and we are when to override this thing if we can, and they did so on several occasions. that went all the way to the court and we got our first hard definition of what adjournment is. the courts almost gave us a hard and fast rule that it is adjournment at the end of a session, congress is in adjournment. and if it is not at the end of a session, they may appoint an agent. the supreme court endorsed that view. the constitution did not give the pr

you're not sure if you are approaching the exit or if you passed it so you slow down but we don't want people on the road driving and paired with anything so let me make sure we are understanding if you smoke marijuana don't drive for three or four hours. it's not safe. let me briefly, we have a couple of minutes left talk about your other book, inside the beltway. i find it fascinating when i read that that you seem to find a lot about washington, d.c. and capitol hill and people inside

if we don't get it, we sell that stock. if we do get it, hallelujah.ut we need to be ready, and we need to recognize that those days are artificial and we sell artificially up days in crameri cramerica. don in new jersey, don! >> caller: booyah, jim. >> booyah, chief. >> caller: hey, you taught us bull makes money, bears make money, but pigs get slaughtered. you've said that numerous times. you've also shown us that there are times to sell stocks after they've made us lots of money, even though they're doing well. to help us make these decisions ourselves, what objective indicators do you use to suggest when the time is right to take some profits? >> all right. i like to use a thing called the oscillator here. i'll rely on the proprietary s&ps on sit larry. the s. and p. company has an oscillator that i think is the best. i also like thestreet.com's, they do a great job. but i use the s&p in part because i've been keeping track of it for years and years, when that thing gets to plus five, which means we see a dramatic increase in the at of buying over

if he had his own party. what difference does it make to him, do you think, that it be bipartisan, that republicans join it, if he got all the democrats? >> none. he could pass it if he got all the democrats. some of the democrats won't go along unless some republicans do, so they have a figure leaf of bipartisan cover, even if it's just a couple of members. but the real thing that's bothering obama and the democrats is not the poll numbers. they can tolerate bad poll numbers. it is the block voting of senior citizens against this package. the democratic party is composed of building blocks, interest groups. republicans aren't. they're just a group of people who think the same on issues. but democrats are blacks, plus hispanics, plus women, plus young people, plus labor unions, plus the elderly. and when one of those blocks turns against what the democrats are going, the party gets scared to death. and right now senior citizens are by more than 20 points opposed to this program. and that is why the program ma

we don't know if he has a weapon. we don't know if there was explosives. we do know they are treating it as such. we are going to keep a careful eye on this thing. if anything develops, we will let you see it as it happens. it seems that kids grow up faster, maybe some quicker than others and then there is this kid. you can't take your eyes off this, can you? a very, very serious side to this story when we come back. that was a little kid who was smoking a cigarette. it didn't look like he was being offered a cigarette for the first time. like maybe he was two years old and he smoked before. elizabeth cohen joins me to talk about this when we come back. (male announcer) if you've had a heart attack caused by a completely blocked artery, another heart attack could be lurking, waiting to strike. a heart attack caused by a clot, one that could be fatal. but plavix helps save lives. plavix, taken with other heart medicines goes beyond what other heart medicines do alone to provide greater protection against heart attack or stroke and even death by helping to k

better shave. ...or if you're already sick... ...or if you lose your job. your health insurance shouldn't either. so let's fix health care. if everyone's covered, we can make health care as affordable as possible. and the words "pre-existing condition" become a thing of the past... we're america's health insurance companies. supporting bipartisan reform that congress can build on. they say imports always get the best mileage. well, do they know this malibu offers an epa estimated 33 mpg highway? they never heard that. which is better than a comparable toyota camry or honda accord? they're stunned. they can't believe it. they need a minute. i had a feeling they would. there's never been more reasons to look at chevy. my daughter was with me. i took a bayer aspirin out of my purse and chewed it. my doctor said the bayer aspirin saved my life. please talk to your doctor about aspirin and your heart. >>> all right. there's a new cause for worry with the foreclosure crisis, looking like the spike in unemployment will result in more people losing their homes this

i took one course pass fail and i would have gotten a d if i hadn't. >> joe, if you want to aim low like that, go ahead. i don't aim low. >> steve, what's their biggest complaint with his handling of the economy? >> one guy said he overpromised. other guys say it's not really up to him and it's other people who are managing the economy and he's not really in charge. others says he's not engaged in the things he that matter for the economy suspect the. >> a "d" is -- >> becky got b in her whole life. >> tooven, the whether the last year was sun yee, right? >> yeah. >> so maybe you guys can get joet doors this week, if you know what i mean. >> we'll talk about that at 7:00. here is what i want to tell you. there are a bunch of rooms in each cabin. only a couple guys have to double up in a single bed, only a couple economists. >> the guys that are in sync on their economic views. >> they have the same view. >> and i'm sure it's head to toe and probably in the nooets sheets -- >> no short sheeting. that's cruel. >> hey, that is nice. is that a cabin? >> that's one of the cabins right there,

if you want take down certain sights and nworks, especially if you could interfere with logistics. on the other hand, you know, this is the peace time, we don't see that much happening from the russians. really we see most of it from if you look across the international arena, most are against china. angela merkle of australia. the list goes on and on. ople accused of chinese doing some type of recognizance ahead of time. there's certainly seems to be much more of the it on the counties side than the russian side. the other thing we really see on the russian side is the need to what they call, and i think there's an honest debate going on in russia right now. the debate is should we or should we go not comment on information space. that everybody can access. that everyone within all those agencies can access so they have the same systems and terms and the understanng. and the reason they are having the debate is the question becomes what's the end use of this thing? they are good of trying to good many up with the end use before making it. i understand it helps us talk and everying

if your employer makes a change, if they decide they will reduce or benefits, if you lose your job ornge your job, then you would have the option of seeking insurance in the exchange. in the exchange would be private plans for you to choose from for your family, like one-stop shopping. among the options you could choose from, we hope, will be a public option that will be low cost. but you could also choose a private plan. there is nothing that says anyone has to select the public auction -- option. host: next phone call. juan from california. go ahead. caller: i would commend the president obama for what he is trying to do at once. i receive social security disability insurance. i was unable to afford cobra benefit continuation. eventually i lost insurance. now when i receive my social security benefits, i have to pay half of my money to doctor visits and especially for medications. people who are under age 65 and on social security disability have to wait two years before they can get medicare. is there anything in the works to make it automatically available? guest: i do not know if

tell your doctor if you are taking other medications, or if you have any muscle pain or weakness. this may be a sign of a rare but serious side effect. i was caught off-guard. but maybe you can learn from my story. have a heart to heart with your doctor... about your risk. and about lipitor. >>> okay, welcome back, everyone. bertha was just telling us about anticipating american express data it just came in, we want to share that with you, on a managed basis, american express had an annual credit card writeoff rate of 9.2%. >>> paper performance under fire again. obama -- andrew hall's $100 million pay day at citigroup now he could push the top he werer to accept stock instead of cash for 2010. who is the man behind the buzz? scott cone join us. >> a guy who made an amazing bet on the oil markets in 2003 when oil was around $30 a barrel, then managed to get out of that long position before oil crashed from its near $150 high. he is also incredibly rich. he made $100 million on that oil bet last year, reportedly could make a similar amount this year. he is 58 years old, oxford ex-k

if they continue to do that.hey'll put themselves out of business if we give the american public a decent option. [applause] >> i was emailed a question from gail, who is in d.c. her sister's leukemia is now in recession, largely due to an experimental medical trial that she was a part of. so how would you say we can keep innovation -- medical innovation as a part of this discussion in health care reform? >> this is a complex answer for this. which also may not be as popular among some quarters here as it might be. there is a role for the private sector in medicine. everybody likes to beat up on the pharmaceutical industry. the pharmaceutical industry only costs about 10% of the total health care budget. they are incredibly innovative. the drugs that put your sister in remission were invented in some pharmaceutical company's lab. we want to keep the extraordinary innovation of the system. there's also another area where there's a lot of innovation. i've beat up on insurance companies i think with good reason. but

people need to be compensated if there are drastic errors or forced errors, but if it is -- if you havee kind of reasonable cap, then i think you start bringing the cost down. we need to have more affordable options for employers to give coverage to their employees. and that's where -- you ought to either give tax credits and subsidies to people who buy individual health care so you have more people covered or you need to give help to employers, not fine them and tax them as the bills before congress do right now. >> i've got three republicans, all no to the public plan. is that fair to say? >> yes. >> no, no, no? i've got a democrat that's fine with the co-op because you seem to realize that this is the situation on that side of the aisle. does it have to go that way or do you go reconciliation? i feel like one of those commercials where firemen run the world or -- i feel like things get so bogged down. isn't that going to be a sticking point? you cannot get a bipartisan bill with a public plan so why not go with the co-op? or are you going to do the reconciliation and do it on your ow

if you read the story closely, mark does not know if it went across the threshold either. i will tell you -- the threshold i probably would have first crossed is a political one, not a legal one. not that it wasn't anticipated significant intelligence activity, which is a legal requirement. but the fact is this was a bit of a different favor, and i would first off, i would have made sure the committee's new about it, rather than some abstract -- the committee's knew about it, rather than some abstract. what you had when i was director, you had three separate efforts to deal with an issue that everyone understood was a problem in a capacity that everyone agreed we should have. when i was there, if congress was uneasy, if i did not come down and talk to them about what was happening on my watch, i would simply tell them -- whether that is true or not, i did not tell the president about it, the vice president about it. what was happening on my watch never reached either the political or the legal threshold in my sense. i am start. i am being evasive because i do not know the

tell your doctor if you are taking other medications, or if you have any muscle pain or weakness.rt to heart with your doctor... about your risk. and about lipitor. announcer: say hello to the can-doers. - the budget masters. - ♪ yeah yeah the knock-out artists who are finding more ways to spread their dollar further. - to bolder color in less time. - ♪ are you feeling it? say hello to newer ideas and lowered prices, enabling more people to turn more saving into more doing. - that's the power of the home depot. - ♪ are you feeling it? try out different colors with new 8-ounce paint samples at a new low price of only $2.94. >>> joining us now, senator chuck grassley. been described at length for his role, ranking member of the senate finance committee, a member of the gang of six, three republicans, three democrats working under senator max baucus to come out with some sort of a bipartisan plan out of the senate. senator grassley, welcome to the program. on the phone as it may be. what's going on between you and the president, if anything, as it pertains to these death panels? >> w

if you don't have it, chans are you want it. if you do have it, chances are you paid for it. relaxers, weaves, wigs. where is t.j. going with this? i bet you're wondering. this is a huge business and black people support this $9 billion industry with what some would call a hair fet ishfetish. very serious business, of course, until you get chris rock involved. then what you get is a documentary, a comedy but it looks a bit like a documentary. this was my assignment when i met up with chris not long ago and one of the starts of his new movie. >> what's your definition of good hair? >> something relaxed and nice. >> if your hair is relaxed, white people is relaxed. if your hair is nappy, they're not happy. >> you all just tell me, why would you all define good hair? not the movie, actual hair. what is good hair? >> all hair is good. >> there you go. >> all hair is good. you've got good hair. she's got good hair. >> as long as it' behaving -- >> as long as it's not attacking you. it's not slashing hair. >> some people need work to get it to behave. would you agree with that? >>

imagine if it goes back to $4? we are predicting gas will go back to $4 within nine months. >> what? back to four bucks. >> back to four bucks. >> all right. you heard it here first. we're headed back up for the gas prices. that's amazing. why, though? >> we went from $1.45 weeks ago to $2.70 this week. we're moving up there because you have the demand coming back as the recession ebs a little bit and demand comes back and china starts buying more cars. >> that's all pressure for higher prices. >> exactly. >> some other issues for cash for clunkers. under the program, newly purchased cars have to have an efficiency of 22 mpg. >> as a minimum. >> not that impressive. >> we were asking for much higher. we wanted a minimum of 25% above cafe. that is 33 miles per gallon. there was a compromise in congress. of course you've got to compromise. you have a lot of people there fighting for the u.s. automakers. we were fighting for higher efficiency and the u.s. auto makers. in the end, the compromise was 22 mpg. here's the

if you think or if the thesis changed or if oil goes lower, you got to change your thesis and you gotskedaddle. the key to all of these situations is knowing what you own so you can buy more if it goes down versus knowing what you own and having the thesis change. and if the thesis changes, it goes from -- >> buy, buy, buy! >> to -- >> sell, sell, sell! >> and i think, tina, for the kind words. my defensive rule, save yourself from losses. i got a lot more rules coming up. so, stick with cramer for more defense. >>> don't miss a second of cramer. now you can find each full episode of "mad money" on itunes and download it for free. take all of cramer's picks, pans, plus the "lightning round" with you on the go. get "mad money" on itunes today. for more info go to madmoney.cnbc.com. >>> miss out on some "mad money"? get your "mad money" text alert today. text "mm" to 26221 to get cramer right on your phone. for more info, visit madmoney.cnbc.com. or give us a call at 1-800-743-cnbc. bbbbbbbbbbbbbbbbb >>> defense, defense, defense, defense, defense! >> no matter what kind of day we had i

if you can be locked into a market, and if you are in north dakota, and you could buy your insurance from a wizard in maryland. you do not have to buy insurance from somebody within your borders -- from a lizard in maryland. greta: it will harm elderly people, some provocative and scary things. in what way does this health- care reform as we know it, does it have a direct impact on the elderly, or not? >> i think it will. it will have an impact on everybody. we will see a system that poses an invasion and the ability to create new techniques and drugs that extend life and provide a greater quality of life. we will see it be less attractive for investment in health care, whether a hospital or an extended-care facility. look. the government will set prices. it does it in medicare. in medicare, a doctor get 81% of what the private insurer would pay for that same operation under medicare. hospitals get an average of 71 cents for each activity they take, compared to what they would be paid by a private insurance company, and what? because the government dictate the price they will pay --

if i know philly fans, if mcnabb gets herd and michael vick throws for 300 yards a game, they won't care how many dogs he killed. >> is that what this is about? david, let me get your take on that. is it really about his performance on the field and if he's playing well and have a winning season, nobody cares? >> i think now it is. he had to get through this past week. the reason that his answers seem the same is that he's being asked the same questions. the real test is that he gave his supporters something to embrace. he gave people with open minds something to be optimistic about. and most importantly, he didn't give his critics anything to use against him. it's time to move on from the public apology and focus on football. >> he did, though, let me play more of f interview. he addressed efforts to make amends what he's worked out with the humane society. listen to this. >> i'm going to let me actions to change speak louder than my words and be involved in the community. because i still, regardless of football, will have a voice that can have an impact on kids because i've been a livi

if the reason. >> privacy. if there is a list, how is the white house getting email addresses to send touts about health care? it's a simple deal. and gibbs couldn't explain it. >> which is precisely the reason why he gave major garrett kind of the needling and then he said let's move on to a question that's more constructive, ie a question that helps me in my case, the case we are trying to make. bill: all spokes people would have done that though. tony snow would have done that i don't hold that against robert gibbs. are you offended that nbc news, general electric is using its power. this is a very big and important story, ok? because general electric has just derived more than a billion dollars in taxpayer money at favorable loan rates. now they shift on over and they are attacking individual americans who are going out and protesting health care. are you as concerned as i am about this? >> well, i think all americans should be concerned about, this bill. i mean, when someone like chuck todd, who is the whi

if you are going to take legal action which must be approved by congress within 72 hours, but if you have a legal finding, it has to be within a finite amount of time. you have to ask yourself the question, am i going to take this legal action? if you say i cannot do it, i will not ask my child to do it and it will not pass a giggle test, you do not want to be involved in it. >> i am the author of this book which is the only nonfiction book about intelligence outsourcing. i have two questions. you are now working for a company that does contract with the intelligence community. i think it is natural you would talk positively about contractor is but i think -- i wonder about your credibility since you are a contractor now, making money from this business. should we take your word on contractors with a grain of salt? second, when you appear on television talking about intelligence issues, will you identify yourself as a contractor rather than former director of the cia? that is part one. part two is the inspector general report came out one month ago about the nsa surveillance program,

if it were jettisoned.lower the temperature some but i'm not sure when it's going to happen. >> quickly, congressman, i believe you've got a republican proposal that you think might work. tell us what it is very briefly. >> i think dick is exactly right. we need to take care of preexisting conditions and we need to take care of the people who aren't covered. but he's right that the people we're leaving out of this discussion and the people i think the house bill does not help and actually harms are the people that have health insurance now and like it. we shouldn't be throwing out that part of the system to take care of the problems. >> we're not throwing them out, john. we're not throwing them out. >> under the system what we're doing is putting them under the government control because we're moving all control of health insurance to the federal government. >> no, we're not. >> yes, we are. >> no, we aren't. >> let me finish. i didn't interrupt you. where we agree is we agree on a market. we don't have a h

if people have jobs, they will like the president. if they're out of work, they don't like him. >> he embraced the idea that crisis is opportunity but you do the hardest thing in the beginning of your term. he will go down a bit. but he'll come back up. chris: kathleen. >> i aee with both of them, if the economy is up, he's up. chris: marxist interpretation of history. >> a year from now, his popularity could be as low as clinton's was in 1994 and the question how bad a trouble that spells in the mid term elections. if the democrats lose 30 or 40 seats, that's go to change the rest of obama's term and what is he able to get done in the second two years. chris: thanks for the roundtable. and kathleen parker and john heilemann, that's the show. thanks for

if anything was ordered, if you have insurance, keep it. ordered by healthcare person, it is paid, no questions asked. nothing to do with the government. we would run it ourselves. pay them if they ordered it, if approximate a hospital ordered it, physical treatment, prescriptions. one pot of gold. thank you. >> host: all right. let's go to our next caller from connecticut. chris is on the democrat's line. >> good morning. i want to comment on the irony of comments of people who suggest that government-run healthcare plan would take away their independent. people in this country have no freedom to move around, to change jobs, to -- with their lives, with any degree of freedom of movement because they are literally tethered for life to their insurance provider, usually provided by their employer. to the comment from the previous caller about the fact that only catastrophic health insurance is going to be able to be provided because people ought to pay as they go for office visits and procedures. the poor cannot do that. the poverty level in

if she has -- if she is a defendant, she has the right to not testify.is not, and they agreed to drop the charges against her they can use her to tell the inside story of what happened with that $114,000. gregg: the other guy that testified, -he is not talking. judge andrew napolitano, great to see you, as always. hundreds of people missing in taiwan after a typhoon 4 through the area, bringing 74 miles per hour winds and heavy rains. take a look at the pictures. this is a three story building collapsing into the flood ravaged waters. then getting swept away, almost immediately, by the current. officials say that up to 600 people may be buried. military officials are dropping food and water as they search for survivors. the official death toll is at 14, expected to go much hot -- higher. bravado, poetry reading, you know who i am talking about. rod blagoevich knows how to draw a crowd. his latest move could top them all. my identity was stolen when i was eight years old, and we didn't find out until i was going to get... my driver's permit at fifteen, se

second, if you can go at this alone, if you want to double up, that's great. put more money. please don't kill yourself. you can be out in three years if you put $200, $300 toward the card with the highest interest rate. if you're going to get help, make sure it's nonprofit help. sylvia, what do you think? >> caller: i think we're going to go ahead and start making bigger payments and do this without going through any agency at all. >> to crunch your own numbers go to the paydown calculator at didn'tytown.com. you'll be amazed. >> a got a letter from cheryl. she wrote, please help, one year later i'm debt-free but my credit score went to 705. one late payment on a credit card of $79 was sent to the wrong address. what can i do to raise my score. john, one late payment knocked her down 100 points. this is normal. >> yeah. look. credit scores are not common sense animals. they don't function the way they should function sometimes. this illustrates a couple of things. a, just how damaging one late payment can be. that's why you want to avoid late payments. second, that illustrat

terry, if you would please leave. if you please leave, mr. terry. [unintelligible chanting] >> what? no, no. you know, i am willing -- relax. mr. terry, if you were so inclined, let me suggest this. you would have to abide by this -- rather than being escorted out, you can have the option of having the first question and five minutes to say whatever you want. but then it would be restricted. we need to hear from other people. otherwise you really need to leave. we need to move forward with this. >> we will -- we won't pay for -- [unintelligible chanting] >> howard dean is a baby killer. [unintelligible chanting] >> baby killer. abortion is murder. abortion is murder. [unintelligible chanting] >> i know you think you are special, but there are hundreds of people. governor dean? >> kill your children -- >> as i said, i am going to be extremely brief because of like to hear from you. not that i haven't already. there are three problems we have to fix. regardless of whether you are a conservative or liberal or democrat or republican, you agree we have t

we want to know if we're going to provide -- if broadband is to the house or if broadband gets to school is it being used, because without that we are really not going to be able to answer these questions. >> just two points. and this is going to follow-up with some of the other speakers have said as well. so certainly one challenge has certainly been that of data. so if you look at where we will often see the impact of broadband, the the impact is going to come from business. and the data that we have on i.t. investment and business right now is pretty scarce actually. we end up using a private survey which we believe in some of the best data on i.t. investment available, simply because firm level or regional investment in i.t. and in particular internet investment simply is not out there. so it makes it very difficult to quantify the impact of broadband because there just aren't the data out there. and i think that is hindering a lot of, you, a lot of issues in trying to understand the policy here. the second thing is, i mean, most of, and this will follow-up on some of what james said

, but what if it is a teenager?and before you solve that issue, you cannot respond. and this is a major issue that -- >> charlie: okay, as part of your ability to see around the corner, then, in terms of befefe something, before they take it down you can see patterns of people and/or actions and/or behavior? >> well, what we do is we help people like we did with the dalai lama figure out if you actually have been infiltrated so what kind of data is leaving. >> and they have been? >> they had been and in a massive way but then, two, we say these people are likely to actually be this. they appear to be teenagers. but they are teenagers that are likely being handled by this organization. or they actually are teenagers or more likely, when you are done with our diagnostic, we say, we are not sure who we are but we are sure they are in this building. why don't you send someone to go find out who they are. >> charlie: why isn't this going to collide head on into privacy and civil lints? >> well, it would if there was a co

if we didn't get that extra money if your company, if all we got is what medicare paid, then do the math. we lose 20%. well, we are a business, we can't lose money. so we either go out of business or offer less. so that we can break even. well offering less in health care means that we don't give you the latest and greatest. which you know is not as good. >> who sets the cost? in other words you say -- let me ask you this, if you do a heart bypass, what does that cost? >> well, there are two different -- let me tell you how it works. doctors charge separately than the hospital. so if i do a medicare operation, medicare coronary bypass surgery, i accept what medicare pays me. ñ >> it's about $2,000. >> and what do you do for $2,000? what is the total amount of your time spent doing? >> well, surgeons are paid globally. so if i operate on you, i get one payment. and you and i are married. ok, for that month or until i get you well, that's what i get paid. so i can see you 10 times a day, i can, you know if you have complications, come in the middle of the night, do whatever it is. i get th

especially if gas prices stay low.o despite its mileage claims, the volt may give gm only a limited charge. >> a small volume vehicle. so the impact will obviously be in public relations and goodwill. >> reporter: to put the volt's 230 miles per gallon in some perspective. consider this the average american car gets about 22 to 23 miles per gallon. brian if the volt meets expectations it will be ten times more fuel efficient than the average on the road now. >> phil we have seen americans step up and buy american cars to try to help out. for the folks who want one of these is there any way of nailing chevy down about show room time. you say late 2010, does that mean september, december? >> right. >> no specific month has been named. i would expect probably fourth quarter of next year. again, estimated price is going to be $40,000. a little steep. if you are looking at fuel prices at the pump being over $4 > all right. interested in phil lebeau at the gm test track for us tonight. thanks as always. >>> an update on a st

but the point that is very important to make that if we're in chelsea here in new york, if we see two men holding hands we know those are two gay men. because within our culture, two men hold hands, they have to be gay men almost exclusively. in countries, men will hold hands that in no way means two men are gay. but one of the things that happens in a homosocial country is that that which is homosexual can exist in public and be hidden at the same time. so while two men who hold hands in the west almost definitely means that they are gay, and if two men hold hands in the middle east, it almost never means that they are gay. it means two men who might be gay or two men that might have a stronger friendship that society thinks, can actually in a certain way be hidden. that's another point the difference between homosocial and momoactual. that which seems to not exist can exist openly and not openly at the same time. the other thing that i want to point out. this is something that's very often discussed in topics in the middle east and countries. islamic law, or a form of it. we've ofte

if it's not us, who is it? someone's been in possession of this technology for over 06 years and if they have they're in possession of revolutionary technology, then if not, we're, visited. >> larry: nick, do you want to believe? >> well, like seth, i'm convinced there must be life out there. and i i think it would be one of the most stupendous discoveries of all time. so, yes, i think it would be a very boring and lonely universe if we were the only life. and after all, it's one of those great fundamental questions, isn't it, are we alone or not? >> larry: so we've been boring all this time because we don't know, right, seth? it's a boring world. >> but it may change within 10 or 20 years. >> larry: can i -- >> i think we'll have an answer to the question -- >> larry: james, quickly. >> a quick question. seth, i just want you -- how can you explain what people are seeing, airline pilots, radar operators, military guys? these are unambiguous cases in some cases they've touched these things. what are they, seth

if you look at the u.s. quick serve business, that business is down and mcdonald's is very resilient right now. they're using the mint cafe to hang in there and they are exhibiting a resiliency and if you look the market has tried to sell off over the last week, it can't do so, and there were actually some shorts in the market that scrambled for cover today. >> try to find somebody else whose same store sales just keep going up and up and building every single quarter, every single year. the numbers really are impressive. >> the guys they're taking g direct market share, be careful of starbucks. they've firmd up their balance sheets. this is a great chart and isn't played out and i'd be careful to sell this one short against mcdonald's obviously, two slightly different plays. mcdonald's sales right now, mint cafes by the way over 5% of their global sales which is an incredible number for a company this big got to go to the next trade. general motors announcing it will begin selling cars and trucks on the int

if we want this country to succeed in the 21st century and if we want our children to succeed in the 21st century, then we need to take the steps necessary to lay a new foundation for economic growth. we need to build an economy that works for everybody, not just some people. [applause] now, health insurance reform is one of those pillars that we need to build on that foundation. i do not have to explain to you that nearly 46 million americans do not have health insurance coverage today. in the wealthiest nation on earth, 46 million of our citizens have no coverage. if something happens, they go bankrupt, or they do not get the care they needed. but it is just as important that we accomplish health insurance reform for the american to do have health insurance, because -- [applause] because right now we have a health care system that too often works better for the insurance industry than it does for the american people, and we have to change that. [applause] let me start by setting the record straight on a few things i have been hearing. [laughter] about reform. under the reform we ar

this is a big problem because if we spend more money, if the government spends more, also it is growing government's influence in health care, hiring bureaucrats and people to administrate the government programs to go along with it like we have with medicare and medicaid now. spending more isn't the solution. you need to reduce the burden and get free market players and they are competing, getting scrappy and driving innovation. david: evelyn, health care will only need to more jobs if it's done in the private sector. >> i don't think that's true. i want to cut waste out of the system just as much as jack does. the reality is we need to spend more in the short term in order to get long-term gains. the system is broken. for example, let's look at modernizing the health care system, making medical records electronic, fast i will traiting communication between hospitals and doctors. that's going to cost tens of billions of dollars. if you think about it currently, the processing of claims costs more than $200 billion. david: rich, isn't the private sector the best place to do that? >> i t

if it's an emergency. mary, if people depend on you, if you've got kids i really think it's worthwhile to keep that home phone. bet the most bare bones policy you can get. $30 a mopthat's what you can stick with. if it's just you, i think it's okay to go with just a cell phone. make sure you feel okay about it. it's not worth the extra expense. thank you so much, mary. >>> and arlen in california, what's your savings cents for me? >> caller: looking to find more savings for movie tickets, rentals, concerts and sporting events. where should i be looking? >> aren't they really, really pricey? i cannot believe how much it's costing. here's the thing. movies, got hints. i'm sure you know this. really do it. stay way from the concession stand. just stay away. now, buying of you for local offers and specials. right? the big things like vandangle and moviefone with an f, they have specials. sign up for them. most places, a local movie house. sign up at their website for special offers. they'll give you a heads up

if you are one of those red state democrats, you have to worry about what this will do to you. -- if you have republicans with 8% for and 84% against. there are some democrats who would know that this would be really really bad. particularly if they voted for the cap and trade bill. i have found many people who have decided to run or have encouraged other people to run because of cap and trade. greta: what do you think is going on in the white house? >> i think that they feel pretty good. they want a battle over the process. they want to talk about whether or not these people are real or not. if we are talking about that, we are not talking about the substance of the bill. that is what originally got them into trouble. they went out and vilified the people who showed up at the town hall meetings. they are going out of their way to change the whole tone of the debate from when it was a positive and will, let's help people get health care, to let's go vilify the insurance companies. that is the liberal decision because they were in trouble. -- that was a literal decision. this is not w

i would not be here to be a grandmother if i listened to that is vice. >> if she had not requested theopinion, she would have only been treated with chemotherapy. what saved her is a combination of chemotherapy and radiation. if she did not have the second opinion, she would not be able to participate in those interviews. >> i think about that quite often. my mother was 18 when i was diagnosed. she told me, i hope that you don't have to leave your daughter like i have to leave you. sean: a look at what might be coming your way if you hang your health care over to the government. this is not mistake we c

if he had gotten out, i feeld. would have come back on us for retaliation. >> he maintains his innocence and says he will appeal. >>> union officials are fighting to get a metrobus driver caught talking on her cell phone back behind the wheel. she is on paid leave right now because of system's new zero tolerance policy. but the amalgamated transit system says she was using her cell phone with a good reason. the union says the driver was calli metro's control center because her two-way radio wasn't working. the union says the bus wasn't moving while the woman was on the phone. >>> now to i big story coming out of the nfl where the football world is reacting to news that michael vic has signed a contract with the philadelphia eagles. >> they gave him a one-year deal with an option if a second year. he hasn't played in the nfl since 2006. he was convicted in 2007 of conspiracy and running a dogfighting operation. he reese be thely got out of federal prison. he is currently airnd conditional suspension with the nfl. he

if the republicans filibuster democrats will need 60 votes to pass something but if the democrats decide to listen to god old chuck grassley apparently they will need 80 votes. that's the bipartisan spirit that senator chuck grassley brings to the table. mr. grassley also explained to "the post" today he may just be against the whole idea of paige health reform anyway. a decision he described as "a natural outcome of what people may be getting from the town hall meetings" adding "i've got to listen to my people." so senator grassley says he may just oppose major health reform altogether because of protests at town hall meetings. but, of course, have been organized and promoted by d.c. beltway funded advocacy groups like americans for prosperity and freedom works and conservatives for patients' rights but that's just corporate funded beltway pr campaigns swaying him. he opposes the public insurance option in health reform because of a study about it by the lewin group, the lewin group, lewin group. is your speedy sense tingling? >> are you aware that the lewin group is paid subsidiary of

see, you can set it up whereby if you want, if you have a preexisting condition, the government should help you out a little bit, ok? that's where the government can go. so, anyway. >> go ahead. they there are ways to get about it. bill: there are ways to solve it? >> ways to solve it. short of taking the whole testimony system and turning it upside down and making a large amount of people dependent on. bill: if i could get barack obama in here with you i think the three of us could come up with a health care plan that would pass and sail right through. >> i'm not sure. a big component has got to be tort reform. medical liability reform to keep lawsuits out of the system. bill: not going to happen. >> he has not been willing to step up to the line. bill: here is the mistake you are making. with you and me sitting with him, we would persuade him. >> it's up to you. not me. bill: you made headlines again today. karl rove made headlines. this is the associated press. former white house political advisor karl rove was deeply involved in the firing of a u.s. attorney in mexico according to

. >> well, the message that they want to communicate i think is if you have a stroke or if you have a situation that somehow your life has lost a little value and it may not be worth living anymore. my problem with the document, chris, is that the author is a proponent of assisted suicide. he's way out there on that issue, and the v.a. has been using this, a new directive came out in july urging providers to refer patients to it. so in my view, there should be a balanced treatment. this is a slippery slope that makes people, when you look at the document, it makes people feel like they're a burden and they should do the decent thing and die. >> we'll get to the specifics, but i want to ask you a general question. president obama calls talk of a government-run death panel a, quote, extraordinary lie, but i want to put up what you said in your "wall street journal" article this week. you said the following: when the government can steer vulnerable individuals to conclude for themselves that life is not worth living, who needs a death panel? explain. >> well, i think the fear that americ

if you don't have a right -- if you don't have a resolution system, it could be problematic. in terms of bank regulation, and like consolidated holding company supervision, -- are like consolidated holding company supervision, you should have a federal charter and state- chartered we have a fairly large state chartered entities. the charter choice, i think, is a good one to have. you do want to have not given regulatory policies, but perhaps ones with -- more immediacy of it dealing with the state level banking supervisor is helpful. i would maintain that along the state federal charter as opposed to size limitations. >> i know we have a vote, and i don't know how much time have left, so i will leave at that. >> thank you. senator merkley. >> i wanted to start by asking the governor -- it is my understanding that some problems at citigroup and other major institutions result from moving risky activities back-and-forth between the holding company and national bank to minimize supervision. my question is whether by creating a similar structure, instead of the fed and the occ, i