lot of money. it's a system of price fixing against the price -- against the insurers and that never works. >> all right. so you are for moodies, you are saying that they should be downgraded. >> of course, they were completely correct. there is a very dicey future out there for the healthcare companies, unless the government is going to guarantee them bailouts and i'm not sure america is in a mood to guarantee bailouts. >> all right. mr. stein as always. thank you. plenty more ahead as the factor moves along this evening. geraldo has some advice for me about my upcoming interview with president obama on super bowl sunday. gutfeld and mcguirk with the pinheads of the week. some good ones tonight. and we hope you stay tuned to those reports. (vo) you are a business pro. seeker of the sublime. you can separate runway diculousness... from fashionhat flies off the shelves. and you...rent from national.