klein found that our position as a world leader, our physical safety are at risk. dropouts can't get into the military and as a nation we lose out on having a top educated work force. we recently heard the same thing on this program from alma powell who came back in october to talk about the dangers of dropout rates to the military and to the economy. leann, worrying about dropouts, though, in high school, that's worrying too late. we should be thinking about crawl through k education right? i know your foundation is very into this really getting kids young. >> well, i mean, i'm a huge advocate of education not only through our foundation but through our business, through our taco bells. we employ several,000 people and it is very important to us that they receive the best education possible because they are our future. that is the future of america. that's the future of our work force. it is just very, you know, we got to get it right. you know, we're missing on several cylinders. it's something nah needs to be corrected immediately. >> certainly the national security thing joel got a lot of people's attention. even if you're not worried about getting invaded or military issues i'm worried about the rest of the world beating us on say differential equations. it is a thought and knowledge based global economy now. isn't it? >> yeah. national security seems like a bit of a stretch but it gets people's attention. my kid is almost 3 and he can't read. i am concerned for him. >> you're falling behind. you are no tiger dad. you are no tiger dad. telling you now. >> in china he would be doing it for now by sure. >> my 18-month-old invented his own language. none of us can understand him but i know he invented him and is very smart. i want to switch gears here. you're a mother, an attorney, and there is a story that is really an american heart break this week. on february 26th an unarmed black 17-year-old kid named trayvon martin was shot and killed by a man named george zimmerman. a man carrying a gun and conducting rounds on a neighborhood watch in florida. this tragedy is stirring strang emotions within communities and social media of course. the investigation is still ongoing and so is the emotional debate around dinner tables around the country. i want to ask you, what is the dinner table conversation that you're having? not the legal conversation. the dinner table conversation you're having about the trayvon story. >> you know, it's a conversation, unfortunately, that i have to have as the mother of a young boy, a child of color. and that is you can be perceived as being suspicious just by virtue of the way that you look and you have to be careful. my son always complains about the way he's dressed, the clothes that i buy him. he says they aren't cool. he looks like carlton from "the fresh prince." it is intentional because i want him to wear a particular -- no hoodi. i want him to wear a particular uniform. unfortunately that is a sad commentary on our society as to where we are. i've had the opportunity to speak with trayvon's family, parents, attorneys. >> what are his parents saying? >> these are good, decent people. mother to mother i spoke with his mother and she just said, i'm not looking for eye for an eye but justice for my son. that was my son on the videotape, my baby. i told her i share her anger and anguish as the mother of a son and i got to tell you i don't even know that it's racial at this point. i think all mothers should be outraged about the fact that you can send your kid to get skittles and he may never come back. >> leigh anne, you have two sons, one black and one white. do you as a mother of those two boys, are there different sets of realities as a mother of those kids that you have to accept? that you are resigned to or rebel against? >> first of all, anybody that thinks racism is not alive and well in this country you need to turn around because you're missing the point. it is. my family sees it day in and day out. it is amazing the looks and stares and opinions that we get. obviously if you've seen the movie you know i don't care what your opinion is about me or my family. we know what counts. the fact this young man was perceived and stereotyped and pigeon holed because he had a hoody on is unacceptable and this stuff has to stop in this country. it's got to stop now. as the mother of a black child and a white child i can tell you it happens all the time. we'll walk in and michael will get a look and i think oh, my gosh because he is large and african-american he is automatically put in this fear, people look at him and they have fear in their eyes. i'm just going you're kidding me. you know, then they realize he is with us or who we are and they do this 360. i go, uh-huh. you had a chance before you knew the facts. you've blown it. and we value people incorrectly. we stereotype people incorrectly. i hope this young man's life, that it was not, you know, all this is not in vain and that we take this and learn a lesson for it. please, people. realize that because you have a hoody up that there's nothing wrong with that. >> it is still so wrong, i feel the lessons are something like -- we are so far away from the lessons it is still such a raw, raw time about trayvon and this country and where we are tnchs's horrible. >> that's a fascinating discussion. let's stick with us chls don't move. we'll talk about the bounty scandal in the nfl. i want leigh anne's thoughts on that. also get joel back into the conversation. don't go away. 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[ male announcer ] one pill a day. 24 hours. zero heartburn. back with our parents' panel the bounty scandal that rocked the nfl has ended with heavy punishments for those involved. leigh anne, you are an nfl mom. how would you feel if there was a bounty on michael? >> you'd really have to ask that question? you know. >> that is called a softball. >> yeah. i would not be happy. let me tell you right now. to me, that, you know, i'm one of these you take one of mine i take two of yours kind of people. i can't imagine if i had heard that. you know, football is a dangerous sport. we're all aware of that but to add this on top of everything else? that's just mind blowing to me. when i first heard about it i thought you've got to be kidding. that cannot be accurate. surely some guys were just sitting around the locker room blowing off some steam and said hey we're going to, you know, but obviously i was wrong. i think this was to a different level and i, for one, i'm really glad that roger has come down hard. i hope it stops it. i hope it eliminates it. >> she's got roger on a first-name basis. that's what i love about leigh anne you totouhy. i have three little boys. you have a kid. i see these stories and i worry football is such a violent sport and maybe this was an exception what happened in the nfl but i am worried about head injuries, worried that maybe this is a sport that is just too violent for kids. what do you think? >> yeah. well, i was thinking rog did a great job and i don't know if i have the kind of kid i can tell already who is going to play nfl football. i doubt it. but you're not going to change football. all you can do is change the culture around it. he makes some rules that prevent the really bad hits that cause concussions but it's tough. america likes the hits. and we have a culture that kind of promoted that so we have to fix that. >> i'm not sure the moms like the hits. your kid is in tennis right? >> i was going to say that. my kid plays tennis and he is a big kid but i just think roger's point is spot on because we've got to change the culture. i don't know that we'll change the dine ammics of football but let's bring sportsmanship back, humanity back. these are our children playing sports. sometimes you see parents right on the sidelines acting worse than some of the children. and so i think it's really about changing the culture. >> we talk a little bit about -- >> i don't know if it's bringing it back. it is probably less brutal than it used to be but is still pretty brutal. >> speaking about brutal, all right. think about this. sibling rivalry. whether you're sharing a bunk bed, you're all grown up with children of your own, guess what? a new study finds that sibling rivalry is inescapable. i say you need a study for that? maybe you'll see it with your own children but it is your relationship with your brothers and your sisters that actually endures past adulthood, adult sibling rivalry still one of the more harmful and least addressed issues in a family. i'm the oldest of four, leigh anne. how is your relationship with your siblings? and is that shaping your life as an adult? >> you know, i have one brother and thank goodness we get along really well. >> because he listens to you and he knows you're the boss, right? >> it seems to work. you know, it works for me. actually we get along great. i'm familiar with this. i do have friends that, you know, they have issues with their siblings. they are constantly bickering and going back and forth and, you know, i don't know. i think it is something that is just a part of life and you need to learn to deal with it and if siblings can't get along then who can you get along with? i think in life that there are hiccups all along the way and i just think for one that, you know, there are so many issues that need to be addressed that that certainly isn't something that is a priority on my list. i tell him what to do and he does it and life is good. >> joel, do you still -- do you have any siblings, joel? >> she is such a positive person. i can't almost deal with it. yes, my sister just stayed with me for four days and now we are competitive about how we raise our children. we found something new to be competitive about. >> tell me how. >> oh, i probably shouldn't because she might be watching this. she is doing a better job than me. she is the perfect mom. >> my sister feeds her children better food than i do. i'm not beyond three times a week chicken nuggets. she would never do that. that's the thing. sibling rivalry is something. the kids factor is really interesting that you go from competing over boyfriends or grades to competing over how you raise your kids. >> it is very interesting because i'm an only child. i'm raising siblings. so i don't understand why they argue about things like who gets to press the up button in the hotel. >> i can't believe you're saying that. it happens all the time. >> unbelievable. in the car i'm yelling -- >> who is the first in the car? >> it's unbelievable. but i agree that it is something that's important because it is sort of teaching you so many things about getting along and sharing is caring and i can't believe i just said that but all of these things that really are life lessons that you carry with you in terms of conflict resolution. >> all right. we have to leave it there everybody. >> let's deal with the more important issue here which is mcnuggets three times a week. let's stage an intervention. that. >>'s wrong isn't it? >> i do pizza three times a week. >> you do? okay. we'll have to come back. >> all the food groups. >> i said chicken nuggets not mcnuggets and there is a big difference. >> okay. i jumped to conclusions. i apologize. >> we'll come back on the terrible mother i am next time. have a great saturday morning. >> sounds good. how your health care could change next on your bottom line. found her! 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this is big news. two years after becoming the law of the land health care reform heads to the supreme court. 26 states want to overturn the president's signature achievement. cue the washington message wars. >> this bill would be unconstitutional even if it did the things the president said it would. >> let's get rid of the preexisting condition provision. let those insurance companies deny coverage. america, is that what you want? is that what you're looking for? is that too much government? >> the supreme court's language no doubt will be a little more subdued. andrew rubin is the vice president and the host of seer yus xm's dr. radio. this law requires all citizens to enroll in a health care plan or they pay a penalty. if the supreme court overturns this so-called individual mandate what happens to patients? >> for people who think they'll get health insurance now who don't have it just falls apart. this is the glue that holds the health care reform law which i really think of as the health care insurance reform part of the law together. so all those protections that people are counting on go away. now, there is -- some things will still happen. we are still working on payment reform systems to take some of the costs out but for most consumers it goes away. >> implementing health care reform has already begun and has been going on for two years. you see it in your business. you see where trying to figure out how to keep costs down, trying to figure out how to change payment systems is happening. >> that is happening. we're looking at what we call payment reform which is bundle pricing, keeping people -- >> that means what? for example if you go in and you need some kind of treatment for what, give me an example. >> hip replacement. >> instead of paying every time you have to be readmitted or you get an infection it is one cost for all of your care. >> all of it. the doctors, hospitals, rehab facilities, all being put together, home health aides, all that being put together with the goal of keeping the patient out of the hospital, from coming back, and -- >> makes sense. >> and these are demonstration projects. it's not in force yet. everybody is working on this. but the goal is to take costs out of the system. the concept is if everybody works together, hospitals, doctors, and everybody else, it'll be cheaper to provide the health care. >> if health care reform is overturned, if the supreme court overturns it, preexisting conditions, if someone has a overturns it, pre-existing condition, can a private insurer deny them health care coverage. >> if the supreme court rules that it's unconstitutional and nullifies it, it's gun. they can continue to deny for pre-existing conditions as they do now. >> what happens with medicare. that's government paying premiums for your health insurance. what kind of premiums happen to medicare under health care reform and again if this is overturned. >> again, think payment reform continues. when they're looking at it, they're looking at it in the medicare and medicaid system. that's where the federal government has dollars, they're spending their dollars. so honestly other than payment reforms, that's not a big deal. now the republicans have some interesting ideas about privatizing aspects of the medicare program. >> let's talk about that because paul ryan, congressman paul ryan this week said the blank check nature of the medicare subsidy is causing inexcusable fraud and waste and we have to overhaul the system, that we have to allow people to go buy their insurance coverage on a medicare exchange. nothing would change for people 55 and older right now. the white house says this is ending medicare as we know it. gop says, yeah, we've got to fix ich it. who's right? good question. >> it's political in nature. they're both right. as you point out, the democrats, if they want to perpetuate the system as they have today, that's what happens. if they want the controversial approach, it scares a lot of seniors, the details are unknown, they're right too. so we don't know what's going to happen yet. >> trying to get these state run exchanges to buy your health care insurance under health care reform just as it goes to the supreme court makes for interesting politics and policy for patients. >> and it's hard for people to understand. they're the underpinning of how consumers will get their health care in the future. states are setting them up on their own or the federal government will set them up if they don't want to do it. it's extensive. some states have started. some have not. we'll see what's happening. >> massive, massive changes. >> lots of changes down the road. >> andrew rubin, nice to see you. buying in the recovery. how to take advantage of it. next on your bomb line. i'm a home in a high-risk flood area. it doesn't look risky. i mean, phil, does this look risky to you? nancy? fred? no. well it is. in a high-risk area, there's a 1-in-4 chance homes like us will flood. i'm glad i got flood insurance. fred, you should look into it. i'm a risk-taker. [ female announcer ] only flood insurance covers floods. visit floodsmart.gov/risk to learn your risk. the largest class size in the nation. 47th out of 50 in per-student funding. but right now, we can make history with a ballot measure to send every k-through-12 dollar straight to our schools. to every school and every child. not to sacramento. it's the only initiative that can say all that. check out our online calculator and find out how your school would benefit. visit ourchildrenourfuture2012.com today. how they'll live tomorrow. for more than 116 years, ameriprise financial has worked for their clients' futures. helping millions of americans retire on their terms. when they want. where they want. doing what they want. ameriprise. the strength of a leader in retirement planning. the heart of 10,000 advisors working with you one-to-one. together for your future. ♪ green shoots. have you heard that phrase? imagine the forest interior after a wildfire. eventually those little seeds start to sprout again. that's what's happening in the american economy. it's now cheaper to buy a house than to rent one, i'm not kidding. cheaper to buy it. i guess if you've got the money in the bank, et cetera, et cetera. existing home sales are staeblizing. down 0.9%, up from a year ago. that's good years ago. richard florida is author of "the great reset." are we seeing that? >> it's at or near its bottom. in certain markets it may overshoot a little. but as you said, that price-to-rent ratio, the folks -- really great economists, we published that in our sites in atlantic cities. it showed that 98 of the 100 markets, it's cheaper to buy than rent. in places like detroit and the rust belt cities, it's like 3.7 dlp. when the indices is 20%, that's when you should rent. so in those communities it's probably a good idea to look to buy, and if you know you're going stay in your house or you want to make money by renting it, it's probably the time. housing may go down a little bit more, but it's probably the time to get going. >> mortgage rates went r going up. we saw 4%. when i say mortgage rates are going up, they crossed 4%. in the earlier life that would sound so crazy. but you have to have, you know, cash in the bank and a good credit score and you can take advantage of what's good low mortgage scores. not everyone has cash in the bank and a high credit score. >> it's a good thing though. we had a housing system that was berserk. you could buy a house with nothing down, finance it. i think it's smart to make people put a little money down. any business, you want to throw a little equity in and get that bank loan or financing on top of ichlt so i think it's going to k calm the market down. what it means is you have to have your ducks in a row. that's what's keeping the rental market going. people who can't buy have to rent. it sort of balances each other out. >> a third of the sales now are cash transactions. 3%. a 13-year-old willow bought a house in naples, florida. she paid $6,000, her mother kicked in $6,000. i want you to listen to sort of the ingenuity of this girl, where she found the money for her down payment. >> i saved it up by selling things on craigslist that i found -- that i bought from garage sales, that i found on the side of the road, garbage days, auctions, craigslist, ebay, free cycle, just a lot of different things and then i saved that to buy a house. >> you want to talk green shoots. young willow, i guess no pun intended, she's a green shoot in this economy. she's picking up a distressed place, she's going to rent it out. she's now become a real estate investor. she's not even old enough to vote. >> no. good for her. i think right now -- and i believe with bob schiller and others who say over the long run for folks listen, stocks are your best investment, but, heck, this is the greatest fire-sale. i believe in rent -- especially if your career is flexible. this is the greatest fire-sale and kids like willow are doing it but look at all the international investors from brazil, latin america coming into american cities and buying homes because they know there's great discount, so people look for the sales when they go to buy a new suit or dress or new furniture. you know, this may be one of the greatest sales opportunities. so if you're in the market for a house, if you have your finances together, if you know you're going to keep that house, if you're not a crazy flipper, i think it's a great time to buy one. >> those crazy flippers, those crazy flippers. i will say, though, that i think you could see home sales up for a considerable period of time re