this is selig went down. almost like this. announcement at a south carolina school announcing that the fatter kids in school, there was going to be like a fat awareness meeting and they have already gotten letters a better show for the meeting and obviously some parents of the aforementioned fat kids get upset and now it's a tussle. now some school officials, skinny, fat, or not have some answering to do. they're enraged. should they be? i can think of a number of ways to do it. >> i'm highly offended you used the word fat. from the rest of the segment we need to use the term weight-loss challenged. i don't want to offend anyone in society. that will be horrible. i'm appalled by this. i'll be honest with you. only a sitting here a time when everyone is talking about bullies, this is the case of bullying and the bad part is is coming from teaches respect and are supposed to be teaching our students. neil: all right. you would agree no doubt with the notion that the school was looking up for the kids. >> i feel bad for those kid

>> is selig 2006 with a huge difference, now you need to verify your income, your assets command be creditthy. that is the big difference. the end of the day you consign the bottom line in you have those. gerri: a lot of people feel like, you know, banks have not done enough. of course, now we are seeing is the refinances leading the market. some 62 percent of people getting new loans are refinances. what do you make of that? >> the big thing is anyone who physically can refintaking advae able to. what we are seeing is the wave of the refinances continuing because the government is releasing new programs on a pretty regular basis that are enabling more and more to be able to refinance. gerri: some of this is led by the government. because, as you were saying before we came to air, there is no market for selling jumbo loans quite yet. >> mostly everything ties to the government because the government is buying everything, whether it be fannie mae or freddie mac or an fha mortgage. it is ultimately backed by the government which is what programs are mostly available. gerri: the average credi

david selig is a federal tax practitioners and advocate. is this a case, david where it's like senator levin has been in the senate since 1979. he's had plenty of time to change the tax code. is this a situation where congress basic lip served up the ingredient and now ticked off that apple made the meal? >> very well said. i think a lot of the individuals who are response gourdian knot and get their rapacious hands on apple's money, they would probably slap them with a retained earnings penalty, which is the most in -- >> maybe we should be blaming prohibitive tax code, and maybe we need to change it. even tim cook said i would be happy to pay more u.s. tax if indeed you reformed the prohibitive tax code? >> i think we have to be very careful. even though there are some distinguishes in the code, on the whole it works. the problem with these fast solutions -- ivlts wait, it's not working if we're not seeing the moving -- >> i understand that part, but what i'm saying a fast solution to a complex problem usually creates some unpleasant unin

the second one was to ronnie selig who you know is your reducer in the medical unit.nd phone call, a strong woman who knew exactly who i needed to call in order to get through this. my biggest worry was, you know, how do i tell my kids and how do i walk them through that process? my son handled this incredibly well. between i asked him, i said you know, when you think of breast cancer, when somebody says that to you, what -- that's my little girl there on the left-hand side. that's sophia. what do you think about? and he said, i think about a fight. and i thought, thank goodness. because that will make this conversation a lot easier. for my daughter she's only 9 years old and it was actually a much simpler conversation than i originally thought it was going to be. i asked her what do you think about when you hear breast cancer? she said i think about people's hair falling out and i think about them being sick. i said my hair's not going to fall out and i'm not going to get sick and she said to me, why did you want that picture of me that you asked me for to send you a