gmortgage rates have dropped to near record lows. refi now at newday usa with no income verification, no appraisal, and no points. >> dana: let's dig deeper into why millions of americans are living in healthcare deserts, hours away from medical care or it's just too expensive to get to a doctor they can utilize. a family and american medicine physician, medical director of city md. before you were in new york, you practiced in rural arkansas. what did you experience there? >> you know, it was a great experience working there and