Transcripts For BLOOMBERG Bloomberg BusinessWeek 20161015

David we are with the editor in chief of business week, alan pollock. Carol this has to do with rocket internet, the wellknown incubator in early and that helped create that texting in berlin. It has ups and downs, more downs than ups. Ellen it is known for being the copycat incubator, so it looks like sap bastad, and they did in ipo couple years ago its like zappos. Com and they didnt ipo couple years ago. They have a site called nestpick, sort of an airbnb site for College Students and it has not taken off we behoved. Investors are not as happy with them as they have been at the time of the ipo. David a section of that old british communication company, they have installed fast connections in parts of the u. K. , but uses a handicapped by the fact that phone lines are copper lines and they are not trying to do something about that. Ellen copper is old. It is what they call a last mile problem and the question is whether they are going to lay much more fiber, which is incredibly expensive, so they are trying to find a more efficient way of getting people speedier service and they have come up with hardware called cheap fast processor, which gfast processor, which they hope will make the copper speedier. I do not understand the technology but cheaper than fiber optics. In the argument is it is better than doing nothing. There are investors that say they should face the fact they have to lay more fiber. Carol we will talk about david lender, another great cover story, and except a man in charge of univision. Ellen it is a fascinating company. It has long been the proprietor of spanishspeaking tv stations around the u. S. It has really been a longstanding feature of lots of people who speak spanish in the u. S. And was taken over some years ago h andaim and and hiam saban is an incredible figure who comes alive in our story. His goal is to take the Company Public eventually and get Hillary Clinton elected president. David also the father of the mighty morphing power rangers. We talked with them in london. Haim English Speakers are vaguely where univision. The biggest spanishlanguage Media Company in america, via multiple broadcast networks, radio stations, cable networks, so it is a huge deal. This reaches 40 million hispanics every month. We are in the midst of an election where immigration is a key issue. Their position is we are prohispanic, we are a prohispanic company, so they had taken trump on. That dovetails with haim sabans supported Hillary Clinton. They have given 10 million to her super pacs, so some people say, haim saban is directing the News Department on what to do . He has one individual in particular, jorge ramos, kind of like the Walter Cronkite of univision. Are they being more prohillary in terms of coverage . Like you said, he is the Walter Cronkite of spanish america. Englishspeaking americans do not have a lot to cronkite. The days of David Brinkley and Walter Cronkite are gone. There is not one anchor who we all watch and listen to. In the spanishspeaking world, the Spanish Speaking america, it is different. He sees himself, jorge rommels, as an anchor jorge ramos, as an anchorman but advocate to speaks the truth and takes on certain causes. Immigration he says is a big deal for everybody, he says. He is a mexican immigrant himself, and he says when trump talks about deporting 11 million immigrants, he is like, we know those people. This is not an abstraction. Consequently, some people say therefore, if that is your position, you should not be objective when it comes to covering republicans or trump. He has been tough on democrats about immigration, too, but in any case, it is not something you see in the ordinary American Broadcast Network for americans News Departments. Maybe for msnbc and fox but these guys are influencing the Hispanic Community much more than those networks. When you talk about haim saban and univision, univision, as you mentioned, it really does play to this community largely but there is a trust that goes on with them that whatever comes out of the univision, and you talk about folks who watch univision. They will call and say i need advice about health care or where to send my kids to school. There is this deep relationship with the Latin American Community and univision. Devin it is incredible. That was not some kind of hearsay, that is what the univision audience does. That was the ceo. He was basically pointing to the receptionist outside of his office, alike, she is getting those calls. It also tells you something when jorge ramos speaks, people listen. Also, univision does Voter Registration drives, and like that, and after trump made his remarks about mexican immigrants being rapists and all that, they canceled the miss usa pageant on univision. Haim saban is behind that and jorge ramos got thrown on the press conferences. Anyway, it is like that the new releasee nothing you releasee. It is all fascinating and unique to univision. Carol it makes you look at how haim got to where he is. Talk to us about that process. It is interesting. [laughter] devin you really have to read the story because it is sort of complex but he grew up or was born in alexandria, egypt, his family had to leave, when egypt purged the Jewish Population and he wound up in israel and was in the army and he got the gig at the pool and went to a local band and said, i have this cake, carried a beer bass player and that me play bass i have this gig and theres one thing, i will be your bass player for you. The veer old bass player. From that, he went to paris, to the u. S. , and he did scores for cartoons and became a cartoon producer. As he did that, he discovered the mighty morphing power rangers. Carol turning his view into the cover was the job of the director. We shot him in his house, more of a palace. He has acres of land. The shot will used for the cover is in front of his backyard, if you can call it that, but there are beautiful hedges, manicured lawns, so he is someone not necessarily known to the public on a larger scale, so he wanted him to present an as straightforward as possible. David was there any temptation, the father of the mighty morphing power rangers, to do something . Robert we showed a rare interest in restraint. There were like several things we can focus on, but given the sort of news and fact that he is politically involved spoke to the fact that he is a hillary supporter. Carol i love that you say hillarys billionaire, eyecatching but provocative. Robert there is no secret that she has wealthy donors so this is enticing people to get to know one of the bigger ones. David how much that goes into that headline . Two words but how much you think about it . Robert i would say we go through at least the newer from three to 10. This one actually somewhere around option five. It was a matter of sometimes we start with these options in the way whittle down to something more simplified. Carol , how wikileaks was turned into Donald Trumps best friend. David and how both campaigns are keeping regular americans to keep an eye on the pole. Poll. Carol welcome back to Bloomberg Businessweek. I am carol massar. David i am david gura. The Voting Rights act. Carol we spoke about how polls may be affected. This may be the first time the Justice Department not be monitoring. The federal poll monitoring program, but the Supreme Court cant and now they will be the first time they are not federal monitors. What is stepping in our private monitors. David how are they being recruited and what are the expected to do . Aleshin they are recruited on both sides. You have groups that for years have done poll monitoring and try to make things cam you. Have the league of women voters and other government groups, but what is new this year is that donald trump, the republican candidate is standing up, he is telling followers to go and monitor polling places and using all kinds of language, but in certain neighborhoods, and where he clearly means is for supporters to go to minority neighborhoods and make sure there is not vote fraud. Vote fraud is an issue the Republican Party has pushed for a number of years, despite the fact that there is little to next to no evidence of any voter fraud in the u. S. Involving voter id or people voting when they should not, so it is happening this year where you have a lot of people are being encouraged to go to polling places monitor for something that probably does not exist and could intimidate and scare voters. At the worst and least, it could just cause a potential for drama at polling places and potential for mischief. Carol like we have not had enough already. You put in the story that donald trump has warned if he loses, it is cheating going on. You notice we dont have the full protection of the voting right ax. How come . Allison they decided the country has moved to a place dion the 1960s and that years and years have fixed the problems that existed in previous years with all taxes poll taxes and people being stopped from voting in the country, but what has happened in the last couple of beers, particularly the republican states, state legislatures put a new requirements, mostly to do with voter id. There is a lot of fighting in texas and wisconsin. This toy came out the other day about a woman who is in her 90s and for the first time was unable to vote because she was not able to produce a birth certificate or natural marriage certificate, said there are a lot of issues around voter id this year, so i think that will really add to the confusion at the polls. People get there and the workers do not know what to tell them. Carol wikileaks founder seems to be angling to play a central law and the u. S. Election. Reporter max investigates for Bloomberg Businessweek. Fax if you have botched the news, wikileaks has been leaking emails from various members of the Clinton Campaign. Just before the Democratic National convention, daily Hillary Clintons, sorry, dnc emails related to the dncs coordination or alleged coronation with the Clinton Campaign. Since then, the twitter feed and wikileaks activity has seemed to be in sync with donald trump, which is strange because wikileaks has long been associated with the extreme left and trump is associated with the extreme right, so between about this organization so a turnabout with this organization. Carol what do people say it when they ask it they are in the league . Max he is a quality. We asked him if the special sections for donald trump and he said, that is an interesting question. I have a section for all human beings. When you look at what he has said, it is clear he is trying to help trump win and it is working a little bit. Trump is way down in the polls but i think youd be further down if this is not happening. Minutes after the leaked audio came out of trumps 2005 television appearance, wikileaks tweeted basically 2000 and john podestas, the Clinton Campaign chairman emails, and that is driving and you cycle. At a rally, trump held up a page of documents looking like assange and said i love wikileaks and everyone is chanting, lock her up, so it has become part of the donald trump campaign. David why would be the case that Julian Assange would be expressing support for donald trump max donald trump . Max it is a mystery. The Clinton Campaign is hinted at a russian connection. I think that is not a great explanation. Clearly, the russians are leaking emails but it is not clear that they are in league with wikileaks or the trump campaign. One thing going on is Julian Assange is paranoid. He has been cooped up in this tiny room for a long time. David not quite windowless. Max he keeps the windows close because he is worried about assassinations. We are reporting that there may be concerns in wikileaks that the president of ecuador, ecuador changes power, which is expected in 2017, that could throw assanges status in jeopardy, which you would like to be living under president trump. The other explanation is he is looking for attention. Basically, wikileaks is a media entity. Trump has a loyal following online and this has been good for wiki leaks. They have become much more relevant over the last couple of months by online themselves with trump. David up next, how the president ial debates are sinking nfl ratings. Carol plus, is jack dorsey losing control of twitter . Carol welcome back. I carol massar. David i am david zero. You can listen to us on sirius xm, channel 19, and a until hundred in boston, 99. 1 in washington, d. C. Carol a rare sign of weakness and what is generally the biggest drop on tv, sports. David president ial politics may be to blame. The nfl season in terms of ratings are off to a slow start great if you think about the Television Landscape right now, ratings are down because people watch a lot of television. Live sports are supposed to be a huge draw and advertising draw. Like untouchable. Writes. People want to know the next day. They do not want to wait one day for the scores per day want to watch it live, so advertisers will pay enormous sums of money, especially for the nfl, because that the good this is one of the last audiences on television tuning in at the moment. What has happened is the ratings have been down 12 and there are a lot of different theories for why. Some of the match maybe have not been as good, blowout games, a fair amount of people on the internet can feel like Colin Kaepernick may have something to do with it and people are boycotting nfl games. Is not saluting the flag. Gerry right. The nfl has said they have no evidence of that but they have said ratings are down partially because there is unprecedented interest in the residential debates. David when advertisers pay the sums of money, what guarantee other getting they will get the exposure they want . Gerry a Television Network will say we can guarantee you will reach a certain number of people. What has happened so far this year is that the ratings have come in lower than the tv networks promised the advertisers, so than the networks have to make it up to them and give them free commercial time somewhere else on the networks, so it is an industry thing called make goods, but it is the potential loss of revenue for tv networks, especially over time because next year when they sell nfl advertising time, they may not be able to ask her as much money if the ratings for this you were down. David in the technology section, jack dorsey has either receded or lost some control of the company he helped report. Carol i talked the company is not getting interest from potential bidders. We had google, salesforce and they all hired bankers to look at the acquisition. Internally, user numbers are stagnant, Sales Numbers are slowing and jack dorsey has been at the helm for about one year, so yes to answer for that at this point. Carol your story talks about jack dorsey being or losing control at twitter. What is going on and rising losing control . Sarah the most strategic thing that has happened over the last year during his reign has been this figure strategy that they seem to be betting a lot on. This Live Streaming of political content, sports content, entertainment content, alongside tweets about it. That gives people another entry point into the twitter experience. The person driving that ship within twitter is actually the cfo, anthony, he is the one that struck the deal with the nfl to stream the football games, so he is the one who was really set the strategy and everyone is following in his path. He is the latter cheerleader within while dorsey has been more of a socratic leader based on higherlevel questions and discussions. Carol this jack dorsey not want to be the one who was being that due at the company . Doer at the company . Sarah he was thought of a micromanager. Since then, he left, started square, he has learned the importance of delegating to other people. You are right. He does not want to begin authoritarian leader of twitter, but when investors saw him take the helm at twitter from dick costolo, the prior ceo, they thought he was going to bring some vision to the product with the authority on the founder can bring good. It looks like he has been less aggressive on that front. David up next, how the richest americans have influence the president ial election, especially in swing states. Carol and why they called Bernie Madoff [indiscernible] landlords. David welcome back. I am david gura. Carol i am carol massar. Still ahead, some interviews with some of the most important people on the planet. And the Real Estate Developer up for worst landlord in new york. And who executives call when they need costumes. That is all up ahead on Bloomberg Businessweek. Carol we are here with editor in chief ellen pollack. You take us to sororities. We know it is about pledges and camaraderie, but it is also a juicy market for fashion labels. Ellen brands figured out that sororities are good place to put up displays. In part because there are so many chapters. There are over 3000. And also because these young women are influencers. They are looked up to and like to dress similarly. We quote a psychologist who says there is comfort in dressing the same. So they have tapped into this as a way to spread the word about their brand. It makes perfect sense. It is not too expensive. Youre not buying airtime. It makes a lot of sense. David you point out women in these sororities prefer a small group of brands, so if you are an upstart and can break into that, it can be lifechanging for your business. Ellen it can. And some big brands have figureed that out. Victorias secret, their pink brand, is one of them. Chipotle, which is not a fashion brand, has been there. It is not just clothing, but a lot of it is. David a segue here you have a lot of people who grew up in peru and came to the u. S. As part of their childhood for college, now going back. They talk about social remittance, going back to start businesses in the country where they were born. Ellen it is sort of unexpected unless you think about it. These are young people who have traveled, for the most part, with their families, fleeing peru and colombia for a variety of economic and political reasons. They settled in the u. S. Became very americanized. Now, they are going back, because they want to get back to their countries, and they want to do startups. So there are some fashion brands that have started there. Getting workers is less expensive. They are finding it is rewarding in many ways. Theyre going back to their roots. They are able to start their businesses. They are giving back to the communities. The people most surprised and rattled by it are their relatives. Carol we have to talk about the politics section. You guys take us to nevada. And you look at some of the grassroots movements going on by some very wellknown and wealthy individuals. Ellen it is sort of everyone is there, trying to push their agendas. Because of citizens united, they can. You have george soros supporting the democrats. The Koch Brothers supporting republicans theyre not really Backing Trump so much, but the down ballot candidates they are active in. It is sort of like a circus situation, where you have dancing polar bears, ipads being given out to volunteers, and you have not really had this in the past. Nevada is a swing state now. It is unsure which way it will go. Who knows by the time this airs. But because everything is so in flux, you have very wealthy people pouring money behind their candidates. Carol you mentioned citizens united, the Supreme Court ruling that made it possible for wealthy individuals to donate and influence elections and campaigns. Ellen it has certainly changed the landscape. It has allowed big givers, like sheldon adelson, to pour money into the campaign. David it is interesting to see the super pac funding the ground game. In the features section, you profile steve croman, a guy who owns more than 100 buildings in manhattan. Ellen steve croman has bought up many buildings. Something like 100 buildings. And has been unusually active in detenanting. Because when you get the tenants out, you can increase rent a lot, especially if you renovate. He has been very aggressive. Dont give it away, but very aggressive in his tactics. Lets say you do not want to live some of the way these tenants are living. Carol it really looks into rent stabilization. We talked to the reporter on this story. Simon he made a calculation, and that was i will invest in all of these buildings. Perhaps knowing they will skyrocket in value. The catch is this those buildings were filled with lower income or middle income people who did not pay much for their apartments. What Steven Croman is alleged to have done is systematically worked to make their Living Conditions miserable in the over 140 buildings he owns in order to get them out. Once you get them out, you place them with higher paying tenants. All of a sudden, you are sitting on a lot of money. Carol you actually talked with some people, visited where they lived. Talk to us about it. How bad was it . Simon let me put it this way. He is often called slum lord. He is making departments more valuable, but the tactics are things you would see from a slum lord. These are alleged tactics, but the attorney general has things like employee affidavits where they would intentionally or negligently let apartments fall into squalor. You are talking about highly elevated lead levels. Lead dust everywhere. Ceilings falling through because of water damage. Vast amounts of destruction. Anything in the garbage no electricity, no heat, no gas, no water for months at a time. One could argue he is a sloppy landlord. On the other hand, systematically, if you live through hell, eventually you will want to leave that apartment. If someone was willing to leave, they would take that buyout. Once you take out buyout and the place becomes vacant, there are instructions that allow you to take it away from the below and middle income classifications these apartments have and you make more in rental income. David why the odds of the families of 9 11 victims are improbable. Carol here is paul barrett. Paul there were a large amount of suits after the 9 11 attacks. They were congregated in court. They hit a defense called foreign sovereign immunity, which is an established concept that says foreign governments, under most circumstances, cannot be sued in a private lawsuit in this country. There are a few exceptions, but that concept, foreign sovereign immunity, created a wall that the plaintiffs have not been able to get over. David why has that wall been there and why is there so much concern about eroding it, a day after this legislation was passed by the congress . I interviewed the treasury secretary he said he was a new yorker and had a great deal of sympathy for those who lost in 9 11, but as a government official, there were risks. What are those . Paul the traditional concept, which is codified in u. S. Law in 1976, was that it would create too much interference for Foreign Relations if the citizens of various countries were constantly suing the governments of other countries. That was just put in place as a way to facilitate Foreign Relations among governments and leave it to the diplomats to sort out disputes between countries. It is the kind of legal concept that makes a lot of sense in the abstract. Then when it is applied to a particular situation, it may seem painful. When you apply to a group of plaintiffs, like the survivors and victims of relatives of victims of 9 11. Carol up next, a wall street club so secretive even most on wall street do not know it exists. David and a High School Dropout turning a love of bungee jumping into a profitable business. David welcome back. I am david gura. Carol i am carol massar. Our investigative reporters recover what top lawyers in the World Biggest banks discussed in private and no one outside their inner circle seems to know about it until now. This is an exclusive club. The top senior legal officer of the biggest banks are there executives. It is an informal club. It is secret insofar as no one has really known about it before. And they meet once a year. They met outside of paris in versailles this year. They have met in lucerne. They have met in the u. S. , depending on whose turn it is to host. David who was behind this and how much of an agenda is there . What do these guys try to do . The founder, a well known and well respected lawyer, who has had senior positions in the government was the dean of the university of pennsylvania law school. A figure with a lot of experience in government and academia and business. So at some point, he thought it would be a good idea for people like him, when he was at smith barney, to have a small, informal not social group, but a group where people could discuss things and topics of interest. Usually, those topics involve issues of corporate governance, the care and feeding of the board of directors, how to deal with certain theoretical issues that may occur. It happens this year, a friend of mine, for a number of these numbers, was the class action suits. Carol it feels like we have had many over the last several years. What do they do in terms of coming together . And what is the goal of coming together on these . Greg every time there is a Major Investigation by regulators, especially on an antitrust suit, all of the big banks are named as defendants, by whatever pension or libel rating affected them. It is normal for banks to enter into a joint defense agreement, where they agree to fight this and get plaintiffs sued while parallel, they enter a joint defense agreement. If they hold firm, they can sometimes win or get a motion to dismiss. Get a case dismissed. More often in the past 10 years, plaintiffs lawyers have been better at identifying a particular bank to get this behind them. Whether it has more exposure or wants to get this behind them. It is a bit of a prisoners dilemma. Whoever moves first gets to take it out and once they do, because of the law works, there is a scramble among the other banks to settle quickly. Whoever is last ends up paying the heftiest price. David how small a world is this . You have to think a lot of these guys know each other from cambridge and new haven and morningside heights. Is this serving a social component as well . Greg there is actually a good amount of turnover. It is not as though these people have had these jobs 10 or 15 years. Some do last a long time. Some go from one bank to another and become members from different angles. A former member said one of the real positive aspects of this was it allowed you to interact with the counterpart whom you would not see normally and get to know him or her on a slightly less or more bases. So you felt like you could pick up the phone and call. Carol in this weeks focus on small business, a profile of beau retallick. David we spoke with editor cristina. He started the business with a friend in japan. It is a cash cow that he is using to find his inventions. Bungee jumping is the best machine ever, because it takes 30 minutes to do the whole cycle of getting strapped in, jumping, then getting winched back up. He knows how efficient it is. He set a Guinness World record for jumping the most times in one day. He jumped 158 times. You can watch him into the night. Carol have you ever been . David i have not. Have you . Carol i have not. But i feel like it has been around for a while. What is he doing differently . He has a business where he makes some of the gear. And he has a programmer writing this code he wants to calibrate this jump called the kiss of death, where you basically touch the water slightly. He is working on that. But he would not talk a lot about it. David it has only been around since the 1980s, which is a surprise for me. He had interesting things to say about the sell for bungee jumping. Where it is safe, but you do not want to advertise that. Cristina there is a twisted logic when there is an accident, demand goes up. Like in 2012, a terrible incident where a backpacker was sent plunging into a river, he said demand went up. Bungy japan has never had a mishap, but he would never advertise that. The best quote is he said, people do this to be badasses. Carol up next, the Costume Company who says it can predict who can win president ial elections. David and we have a handy guide to jump start your week. David welcome back. I am david gura. Carol i am carol massar. You can also listen to us on the radio. Am 1103 in new york. 99. 1 fm in washington, d. C. If you have never dressed up as a movie or tv character for halloween, that costume you bought was probably made by rubies. David Claire Suddath profiles largest Costume Company in the world. Claire if you have bought in a costume in the u. S. , you probably bought it from rubies costumes. It started in 1951. It was started by a man named rubin beige. It is now run by his children. Howard beige, his youngest son, is the person who has done all of the licensing deals and sweet talked studios into making it possible for you to go. Carol and you visited their operations. What is it like . Claire fascinating. They are a global company. In the u. S. Specifically, they have two factories in south carolina, one in arizona, but they still have one small factory in queens with about 100 workers who churn out costumes year round. It is behind this enormous retail store. You can go in and buy anything you can think of. David what is the relationship like between the company and its laborers . Claire they know a lot. They have to. They start planning their costumes about two years in advance. They get all of the basic sketches and character descriptions from studios. They can tell you what happens in star wars that comes out next year. [laughter] claire but they will not. I tried. So they work closely. The studios i talked to spoke highly of them, which, as a reporter, is rare. Carol it is interesting it is a family run business. And howie beige, in election years, he can kind of tell who is going to win based on which costume is selling the most, right . Claire this is one of my favorite facts about this storage, and they do a lot of masks. They have been around for decades. Usually the candidate who wins is the candidate whose masks sold the best. Which makes sense. You want to support the person youre going to vote for. This is the first year that that is probably not going to happen. The donald trump mask is winning in a landslide, just in mask sales, but they think it is because some people are dressing up to support him, a lot of people are dressing up to make fun of him. Also, hillarys mask, women traditionally do not wear masks on halloween, so they will do face paint or something. So there are not many men who will dress up hillary. David how much of a gamble is this for the company to figure out what it things will be popular . Claire i think they have it down to a science, but they have had some missteps in the past. Howie told me this story about trying to plan for episode i of star wars, and they thought darth maul would be a breakout character. Unfortunately, they did not know he would be killed. So they plan him to be half of their assortment of star wars sector, but he only sold about a quarter. Carol in the etc. Section, how to kick a case of the smondays. Smonday is a horrible feeling of anxiety and depression and what are we even doing here . You get to sunday evening where you think about the weekend ending and having to start the weekend. Carol you guys give tips to take back your sunday to make you avoid that smondays feel. What do you suggest . Jillian get yourself organized friday, so when you get to work monday, you can start feeling fresh. Similarly, sunday evening, get in touch with your coworkers. Even if it is just sharing pictures of kids, it can make it easier to walk into the office and have something to talk about. David a lot of people approach the weekend as a time to stay out late, sleep in, have brunch at 1 00 or 2 00. Your advice is not to do that. Jillian stick to a regular sleeping schedule. Evolutionarily speaking, that is what we are designed to do. As far as brunch, try to keep it early in the day. You do not lose your entire afternoon to it. Focus on getting proteins, which will help with blood sugar spikes. Carol and if you have a party at home on saturday, there are some rules to make it easy to get through. Jillian try not to invite too many people. Invite people who you think will get along. You do not want people who sit there in silence, and you do not want people who will argue. Definitely make sure you get everyone out at a reasonable hour. You do not want to be up until 2 00 in the morning. You can ask people to leave. David a caveat here do not take medical advice from the editors. You did talk to scientists about the physical effect of smondays. Jillian exactly. We are not doctors, but we did consult them. Smondays is an actual feel. It is not about hating your job. It is about the loss of freedom you have on the weekend. And those symptoms can include everything from feeling depressed and muscle tension to sleep disturbance. If you can mellow yourself out, you can make yourself feel better physically. Carol Bloomberg Businessweek is available on newsstands now. David and online. Carol what was your favorite story . David hillarys businessman. I met haim saban. Finding out what motivates him is very cool. Carol i love the story on halloween. I know it is lighter fare, but claire did a great job. Halloween is such a great business. I love that she profiled a family run business and talked about what they have done to capture the licenses, put on those costumes, really impact the industry. More Bloomberg Television starts now. i ¿ the following is a paid program about humana advantage Prescription Drug plan. Welcome to your medicare, your decision, the program that guides you through the Medicare Options available from humana. There are many different medicare choices today. Are you sure you have the right medicare plan . Are you with the right company . Do you wonder if you could save money with a different plan . No matter what plan you have now, this program will give you