I she schwab is yesterdays news. Tobin . Tomorrow the raves are going to win. But the bigger issue is also under armor does benefits, so i like the ravens. John, do toby. I like his pick for the super bowl, but i think the stock is ahead of itself. Im a california girl. 49ers go, but the real winning team, business. Refund refund . Are you crazy . Refund . Refund . Refund are unions looking for a health care refund . Hello, everyone, im Charles Payne in for neil cavuto. Call it buyers remorse. A new report saying the unions are upset with the Health Care Law they supported. Now they want federal subsidies, but they ask for the law in the first place. Should they pay for it . Ben stein and dagen mcdowell, adam, charlie and gary k. They should pay for every dime. The politicians didnt read the bill. The unions didnt read the bill. Every time obama comes president obama comes out with something, they just back it no matter what, and all of a sudden they have an oops moment cause they realized oh, my costs go up, so please help me. I think the bottom line, theyll end up with some sort of exemption, some sort of subsidy and guess what . It will be on our backs as usual. I know, but its kind of interesting, dagen, maybe expecting quid pro quo didnt happen. To garys point, if they get these subsidies on top of these members already having Health Insurance, that just opens the door for handouts to anybody. Will ultimately drive up the cost of this Health Care Law even more. Listen, this law was about expanding Health Insurance to people who didnt have it. Well, union members, you have it. Your costs go up. Suck it up. Thats the way it goes [ laughter ] you like that one, huh . Charlie, theyve got to dagens point, they qualify for breaks its kind of absurdity of the Health Care Law in the first place that there is all these sort of outs, you can get an out if youre a union member. By the way t doesnt really work. It cant. Im not saying it ever was designed to work, but at least thee receipticcally, you cant it cant work with all these exemptions. It reminds me of all those kids coming out of college, 18, in college, 18 to 22 who voted for the president. Got his lousy economy, and pretty weak prescriptions to solving our problems. And are now out of work and are complaining. You get what you pay for, guys. Ben, thats a great point. Do you feel like maybe the union obviously put a lot of money behind the president s reelection campaign. They went out there, they campaigned for him and they feel like perhaps hes pulling a fast one. But ultimately, should we have to pay for it . I will tell you its even worse than that, my wonderful friend. Its worse than that. But the problem is, its not the constitution and the people in the congress dont read the bill. Nancy pelosi said you have to pass it and then well know whats in it. Thats not Constitutional Government this is a colossal failure of Constitutional Government. It is an outrage that this happened and mr. Obama should be embarrassed, humiliated and the congress should be embarrassed and hue million yachted that they passed it in the first place without knowing what was in it tore what it would call for. And the unions should be embarrassed. Adam, thats right. These bills now are just outrageous. Multi thousand pages. Ironically, typically the lobbyists who help write them, but in this particular case, the unions feel like maybe they were sideswiped somewhat. Et me make a small effort here to try to dial back the drama here because we should have what are you talking about . We should explain to people what this is about. Obviously legislation sometimes has unintended consequences. The unintended consequence here is that the legislation was meant to help, i think someone had said, people who didnt have Health Insurance. Well, that creates a disincentive for companies to continue to give the insurance in certain case. Thats what the union is upset by. It doesnt shock me that the unions are going to try to be a i dont think its fair to say the whole thing is a joke. Gary k, adam typically does a good job when he says hes going to clear things up. He might have just made it worse. Im more confused than i was before. Going forward, here is the problem, there has already been a ton of waivers. There has already been a ton of exemptions. If they continue that along these lines with the unions, every tom, dick and harry and myself can ask the question, why not me . Youre coming out with these laws, again, and ben said it correctly. Its absolutely obscene that they would do this. Let me try to make it clear for you. I dont think anybody any of us knows whats going to come out on the other side of this because the numbers are going to be crazy. Go ahead, adam. Take another shot. My good friends are precontinueding like this is a pta meeting and that there was a provision for a bake sale next thursday. It is far more complicated than that and gary, here is the upshot, 30 million more americans are going to have Health Insurance. Thats what the legislation was about. It is not perfect. By the way, adam, do you think it will save money. Yes. The savings were insane. Like 100 billion over ten years. How could it save money when there is all these exemptions . How can it pay for itself when be real nice, char lyrics the number within goal is to get more americans with Health Insurance that is the rub. Dagen, you also talked about charlies kids coming out of school. There are people who actually thought that they would be exempt from certain things. Why we built this gigantic welfare society. The fact is, unions are just the latest to find out, guess what, you got to pony up . Thats the issue, adam, to your point, is that these are people who are in unions who have Health Insurance and now the unions want extra money, a federal subsidy from the government because their Health Insurance costs are going to go up. Now theyre threatening the government saying, hey, were just going to dump these Health Insurance plans all together. Youre right. So my point is we have the Obama Administration is against them. And the Obama Administration has said no. You know, there is a board narrative here going on and that is that finally, the chickens are coming home to roost on president obamas varied economic policy. Most people thought they voted for obama if you made less than 250,000 a year because you werent going to get your taxes increased. Guess what . You got a big fat tax increase. Ben, go ahead. The worst thing that could have possibly happened in this country is to lose the constitution. Thats worst than having these people covered by medicaid instead of by oak obamacare. Losing the constitution is the crisis. Were not there yet. Gary k, you know what . You have been staunchly opposed to this from the very beginning. I read your work. The unions are now, everyone is included. Do you think this is where bens right, that were going in this direction, that were going to lose the constitution . I dont know if you lose it whole, but i have to tell you there are pieces that are being thrown out the window right now. You know, ive been using three words, at what cost . All these programs at what cost . Adam talked about 30 Million People getting health care. Terrific. At what cost . Guess what . The unions who voted for this and backed it are realizing there is a cost, but all of a sudden no, we dont want the cost. And thats where the problem is going to lie going forward. Quickly adam, somebody has to pony up and youre saying the cost doesnt matter, right . Essentially thats what youre saying. No, i absolutely am not saying it doesnt matter. Im saying im willing to pay it and remember how they sold this thing. Im confused arguing with the details would not supporting concept. Remember how they sold this thing, as health care reform. It was going to cost less and every sign suggests its not. Im not willing to subsidize the Health Care Program of someone who already has Health Insurance. Thank you. Well leave it there, guys. Get it on. Think those Fouryear College degrees are paying off . Think again. More graduates are overqualified for their current jobs and over theireads in debt. Theyre saying blame it all on government aid. Up next, call it the taxpayer gift that keeps giving or should we say taking. Turns out the bailout is paying fat cats some fat paychecks and costing us billion cavuto on bu. In order to restore trust, weve got to make sure that taxpayer funds are not subsidizing excessive compensation packages on wall street. Well so much for that. How about double down, thats sure to bring taxpayers down, just as were learning 68 executives at three bailed out Company Getting annual pay packages of 1 million. And get this, we also found out taxpayers stand to lose 27 billion from the financial bailout. The last time they said it would be 22 billion. Charlie . The gift that never stops giving. Ed whitaker of gm is coming out with a new book which is on my desk. Rewe paid for that, too . I dont know. It was a reviewers copy. Really, this is outrageous you cover the banks. We bail them out, we chastise them, beat them up in public, we fine them. But the people in the banks, they get richer i believe the former treasury secretary jack lew should be in there at some point. Tim geithner, he was probably one of the if you were a republican, you would see front page editorials, front page stories about how bad this guy was. Not only did he mishandle the stimulus program, money being diverted away from construction, shovel ready projects, things like solyndra, he allows this to go on. I was for the bank bailouts. I thought armageddon was not what i wanted to see. Financial armageddon, where there is no banks, no credit, you try to use your credit card, American Express is out of business. Thats ridiculous. But hes the guy thats supposed to make sure the companies are not just getting paid all this money. Milking the system is exactly what the banks continue to do. Were talk being aig and General Motors and Ally Financial in terms of these pay packages and if we look at it the other way, if the federal government and the Treasury Department were deep inside these companies, even with the bailouts, even with the money we invested, saying you pay him this, you pay him this. If they were managing these companies in such a detailed way, we would be outraged that the government was meddling in these businesses, would we not . We bailed them out. You got to back away at some point. Absolutely. And these pay packages were comparable to getting paid in other industries. The people that took these jobs did not have to take these jobs. They took it knowing that they were going to run bailed out companies and try to bring them back and ill tell you, once youre bailed out, once you make that deal with the devil, what are you going to do is this. The fact of the matter is, if you wreck something, you dont get paid a lot of money because, you know, youre doing a comparable job. Am some point you pay some sort of penalty, at least a financial penalty, no . No, im afraid not . Really . Once you run a health company, you can do whatever you want. The board is pretty much in your hip pocket. You can do whatever you want. You can pretty much do whatever you want. The governor owns shares. Mr. Geithner is in the pocket of all these and wait until we see how much mr. Geithner is going to make when he leaves. Thats going to be out there. By the way, they had to bail them out. I totally agree with charlie that we can not hve armageddon. Were paying a price, but its a lot less than armageddon. Thats a kind of fact well always debate. Here is the thing, people watching this show still cant understand this, allied bank, ge, these names and the billions of dollars they get, government contracts, they get cheap money from the fed, they get bailed out at the taxpayers expense and still make money that most people can only dream of. Look, i didnt expect anything different. We listened to all this huffing and puffing about how were going to work on executive compensation, that its too much. I am one that thinks a person should make as much as they can get, as long as they negotiate and fair. The problem is a lot of this is taxpayers dollars. But guess what . The banks and politicians are right neck deep together and this is where you end up with these type of numbers. Nothing we can do about it. No accountability and this is how we get here. Adam, i guess you agree with all of this, huh . The only person who is making any sense in this segment at all is dagen. Shes already said it perfectly. We didnt want to be in ruling on each one. Weve given people selective information. Yes, weve lost some money on the bank bailouts. Overall on the investments that we made on the financial crisis and most importantly that was the right thing to do. Its not about punishing an executive here and an executive there. I love adam, but you and journalists like you sit around, opine about executive compensation, how these guys are paying too much, and here we have a point not that just getting paid too much, these are companies that were owned in large part by the federal government and they still got these big pay packages. Thats an outrage you made the cake you probably a talking over each other . Wait one secretary. Were running out of time. First of all, were you shocked that you and adam were on the same page . A little bit. A big bit. But are you saying, dagen, that we can bail out these companies and not have any form of accountable there is some accountability, but i didnt personally want the government micromanaging these businesses. Again, its the trouble of a bailout is like how much do you want some middle manager at the treasury managing General Motors . What do they know about auto make. Rick its a loselose. Although we could also argue how much General Motors know about running General Motors. Come on, man. Lets leave it there. Shareholder rights, thats when its called. It could get bumpy for flyers. Passengers in europe suing over delayed flights. Get ready to pay more for tickets right here john is 42. Mortgage. Married. Two great kids. He wants to protect his family with a 500,000 term Life Insurance policy. What do you think itll cost him . A hundred dollars a month . Sixty . Forty . Actually none of the above. John can get a 500,000 policy from a highly rated insurer for under 25 a month. His secret . Selectquote. Selectquote is impartial. Theyll search the pick of insurers like these to give you a choe of your best prices. Selectquote has great savings on term life for women, too. Johns wife carrie, can get a 500,000 policy for under 16 a month. Selectquote has helped make term Life Insurance affordable for hundreds of thousands of people since 1985. How about you . Just call this number or visit selectquote dot com. In this round, teams must read and follow package cooking instructions and know your microwave wattage. 1,100 watts. You can find the wattage in the owners manual, on the appliance label, or by contacting the manufacturer. Each team has been given a frozen entree to safely prepare. Oh, wait, what is the wattage of the microwave . Whatever ooh, sorry, team 2, you get a red card for not checking the cooking instructions and not knowing the wattage. Wattage . It wont just cook . Microwaves have different wattages. I told you we should have checked the package instructions and checked the wattage of the microwave its not cooked safely i wouldnt eat this. Its cold. If you dont follow the cooking instructions, some foods may be hot but may not have reached a safe internal temperature. Use a food thermometer to be sure. You win we just kept focus on reading and following the package cooking instructions. We knew the wattage of our microwave, so the food cooked safely. And the challenge continues. Can you cook it safe . [ blows whistle ] make them wait and theyll make you pay. A major ruling in the u. K. Allowing travelers to sue airlines for delays of more than three hours. Passengers could get more than 700 bucks for a claim. Oh, and get this, no airline is exempt from having to pay, including those based in america. Gary k, you ready to pay more for airline fees . No, thank you. Were alread paying for bags. We pay for overhead. Next is going to be the pay toilets. The bottom line is if you keep putting all these things on to the airlines, its coming right back at us. Its stupid. This is nuts. I know you like the airlines and you like free markets, but do we have to subsidize travel for the u. K. . North texas, they can barely take off as it is. Well, adam, ironically, you have been the most capitalistic person. Does it extend this far . No. No problem with all the fees. Thats just the price of flying. But this is a really stupid rule. You dont want to pressure the airlines into getting them up in bad weather or mechanical problem. The delays sometimes, oftentimes are for those reasons. Dagen what, if this comes to america . Very good point. We will not do that. We already have rules in place. You cant leave passengers stranded on the tarmac more than three hours, which by the way, has worked. God forbid a plane is late. You know what . Deal with it. Its life. Its the world. Its not your right to get somewhere on a plane on time. Are you frustrated . You know what i do when i get frustrated . The i shut the heck up because you will get arrested if you throw a scene in the airport. What about you, charlie . Someone on this network has a fetish for the Airlines Cause we keep talking about this. Okay. Its a common thread. Everybody flies. We all do. Im going to talk to neil. Do you like this idea, though . Or do you think its nuts that we would maybe ultimately end up paying more air fare because some guy in london got delayed on a plane . Ask me if i think communism is good . Do you think communism is good . No. [ laughter ] all right, guys. Thanks a lot. You are fantastic. My thanks to charlie and dagen. Up next here, whats more american than the super bowl . Making money and our team has championship picks ready to score for you. [ male announcer ] where do you turn for legal matters . At legalzoom, weve created a better place to handle your legal needs. 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