what is the mo problematic not necessarilye have gone from 40 million to 70 miion. what is really problematic we went from it is just pavement information to now it is persoal information which is the key to fraud. in my mind that underscores the importance of everyone who shot dead target to get there but on the phone to the bank to get the card we issued or change your pin. melissa: names and addresses common card expiration dates , ted numbers, indebted codes, it takes the question shouldn't we prevented this? u said to the producer they should have been in correcting this data and they could have prevented this. house so? >> there is a lot of standard stand practices so encrypting fat but they chose not to do it probably because of the expense but credit card security is babynow or pay me more leader. if you are not willing to pony up the money up front u'll pay more in the back end and they are discovering that now. gerri: the of baby later quotient is scary. you say there is a lot of money on the line? >> the numbers vary but it will cost over $1 billion not e

i hope you're right and i know miions of americans do becau education, as you chronicle, is in troubleet's go to the idea that what we have isn't working and what will work and how wl technology save education from itself and save us from faulty educational systems? >> actually, a lot of different ways. there's not one single new answer. there are probably a lot of different smaller new answers because our current models, boat for k-12 and for gher education were imported from germany in the 19 the century and they were not bad for 19 the century germany or america but it's the 21st century and in an era where you can buy a thousand different kinds of shampoo it's hike we have odd that we have one approach in each area. >> what change and in particularly, in elementary school? what changed their and high school, can we make, k through 12 that can improve that. >> the whole k-12 system is designed to make reliable factory workers and the desks are lined up like machines in the factory and the bell tells you what to do and everything. it's a one-size-fits-all approach. now kids learn dif