Melissa the countdown is on. Were starting with the effort to help you decode exactly what is happening with your health care. The state exchanges are set to open two weeks from now. Did you realize it was that close . New reports that the big three, aetna, unitedhealthcare and cigna, either arent participating or only involved in a small number of states. The reason . Because they arent sure if the exchanges will be good business. Our Favorite Health care expert is back to tell you what the choices will be. And what you will actually be able to buy. Paul howard is director for center for medical progress at the manhattan institute. So what does this mean to you if these three big companies, all of us have bought insurance from one point or another probably likely are not going to participate . So then who is . Probably means they dont know what their losses are going to be next year and they will sit out the market and see how it develops. You will see smaller, regional or statebased insurers participating. Sometimes medicaid plans offered last year in the medicaidonly market will be offered in state exchanges. Melissa what does that mean . What are the plans like . Narrower networks, fewer doctors, fewer hospitals but potentially will be cheaper. The question is will they take influx of patients who will rush in for them because they have subsidies for coverage. Melissa if there is not as much competition for exchanges can they charge higher prices . Competition is a weird thing. Depends how many hospitals you have in your network. If you have narrow irnetwork, you can say take it or leave it price. It is quality of health care and will you get a doctor when you need one. Melissa you say the insurance on the exchanges will be horrible and crappy . Midway between what commercial insurance today has very Wide Networks and pays higher rates and medicaid which is very cheap, very narrow networks. Somewhere in between those two. Melissa but still sound like there might be an opportunity in there. If that is the way it sets up. If im aetna, i could come in for slightly higher price and offer Something Better like the competition on the exchange. Welsh pretty easy to beat if it is Terrible Health care. Why wouldnt i come in, offer a little something, no . If youre aetna youre worried about who is coming in . If population is Second Quarter and need more services you dont want to wind up with a worse population in those networks. They will sit back. See the populations. See what the trends are. If it looks better in year or two maybe they will jump in. Melissa what is long term implication . It could become very much a twotiered health care plan, or system. If you have a money and job you get nice insurance somewhere else and if you dont, have preexisting conditions or whatever to be covered to go to one of these exchanges to get Subpar Health care . You will really see, you captured it nicely. Employer provided insurance, generous, lots of networks, lots of hospitals, more expensive. The key is, can you create a High Quality Network at affordable price within all the regulations obamacare will throw at you. That is a big question mark. Melissa can someone do that . Well find out. I think some of the states that have what are called clearinghouse exchanges where theyre allowing plan experimentation different kinds of designs. Maybe they can pull it off. They will have to look carefully at health safings account option and helps them with choice and sock the money away to help them use later. Melissa do you think the government gets revolved around says, look, aetna, cigna, unitedhealthcare, you big insurance companies, you must get involved . Do they change the law to try to force people to offer insurance on those exchanges . Well probably see bumpy start. Melissa they can do anything they want. They can write a law to do anything they want. Insurers can drop out of the market. Individual Insurance Market is small part of the market just 6 . Companies with big stake probably want to stay and play. If you dont have a big stake you will sit it out. Long run the quality experience people are looking for. Said in the beginning you thought people on small exchanges are local, state health care companies, right . Who does that include . You. Know, like healthnet in california. So the Los Angeles Times had an article on monday talking about how healthnet offers the cheapest plan on California Exchange but only has a third of doctors someone like blue cross has in its employer network. Melissa does it become like the old, old hmos, where it is very limited and you got in . Im trying to imagine because were trying to help people out there. Were not trying to bash it or criticize but decode what people in the audience will see and know what is coming because it is hard to understand. Think of managed care on steroids. Tightly managed network. The question are some people flocking to the cheap plan, wait in line to see a doctor to potentially get sicker because you cant have access to care. Melissa another report from i think it was citigroup. Folks on wall street think many fewer people will end up signing up than they originally predicted. Four million as opposed to seven million. What does that mean . How does name pack the system . Potentially if a sicker pool, premiums will go up sharply. Could you have plans bleeding red ink for the first year. There is only 95 penalty first year to not have coverage a. A lot of Healthy People will sit it out and drive up costs for plans. Melissa paul howard, thanks very much. I appreciate when you come on and help us decode this, it is coming whether they like it or not. They have to understand what is happening. Thank you. Up next the big fight in the motor city. Battle for detroits bankrupt assets. It begins today. What is is up for grabs . Who could get their hands on billions dollars worth of property . Occupy wall street makeing a come back to celebrate the second year anniversary. Protesters are demanding a robin hood tax to squeeze the wealthy. Do they realize theyre really sticking it to cops and teachers . We bring in both sides of the debate. More money coming right up . Thank you orville and wilbur. Amelia. Neil and buzz for teaching us that you cant create the future. By clinging to the past. And with that youre history. Instead of looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. Always go the extra mile. To treat my low testosterone, i did my research. My doctor and i went with axiron, the only underarm low t treatment. Axiron can restore t levels to normal in about 2 weeks in most men. 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[ crickets chirping ] but did you know that the lack of saliva can also lead to tooth decay and bad breath . [ exhales deeply ] [ male announcer ] well there is biotene. Specially formulated with moisturizers and lubricants, biotene can provide soothing relief and it helps keep your mouth healthy, too. [ applause ] biotene for people who suffer from dry mouth. Melissa dough detroits bankruptcy battle goes on. With 18 billion in assets how will they divide . It . We have Steve Malanga and wallace tuckerville. Of demos. The assets considered here are really incredible. Were talking about Joe Louis Arena where the redwings hockey team plays. Detroit institute of art. In theory auctioning off the art or maybe the whole institute. The zoo, how do you put a price tag on the zoo . This is not unprecedented because in another insolvency in harrisburg, pennsylvania, there were artifacts for various museums. Essentially they put that stuff on the marketplace and theyre using that stuff to get the city out of insolvency. It never went into Bankruptcy Court or not kicked out of Bankruptcy Court. Cities have assets. It sounds a little bit unusual but they have a lot of liabilities out there that they have got to take care of. Melissa they have a lot of problems. Wallace strikes me you can only sell off stuff once. You can only sell the zoo to a private holder once. First of all thanks for having me here. Enjoy it being here of the absolutely. The whole idea of municipal bankruptcy assets is little bit after nonsequitor. I date back to the cleveland i will solvency, this is the first one under the bankruptcy code. Bankruptcies and municipalities are cash flow issue. The asset issue is a bit after sidelight. Im actually more interested in things like cash flow and melissa they dont have a cash flow. That is the problem. There is no cash flow. That is why this is their option to sell off assets. They do have cash coming in. Some of the real questions and bigger questions are on the side of things like the Interest Rate swaps where they have paid off billion dollars worth of Interest Rate swaps for 500 million already and theyre going to have another termination payment perhaps being negotiated now somewhere in the area of 350 million. Melissa so what does that mean . Well, it means that they did Interest Rate swaps a while back. Melissa what does it mean to the city though . How is that relevant to this discussion . It is relevant to this discussion because municipalities are cash flow beasts. It is all about cash coming in, cash going out. Melissa right. So their Balance Sheets and income statements look very different from corporations. So, cash flow is king with municipalities. Melissa steve, will selling off assets solve the problems . I think wallace is trying to say it wont . Absolutely not. You need to understand something here. Were in slightly different territory with places like stockton and detroit. If you look at municipal bankruptcies going back to lets say things like Orange County, a lot were based on financial machinations. What you have in detroit and stockton is really structural problems you just cant wave a wand and say goodbye to. In particular, the bankruptcy judge in stockton said what you have here is you have service inso vansy. Theyre having trouble paying for basic services. That is what detroit is facing too. That is why kevyn orr in detroit, the emergency fans r financial manager, even bondholders who are secure they have to take a haircut. That is part of the controversy. Melissa the part of the controversy they cant pay in any of their debts. Even if they sell off the zoo and sell off the stadium or what other precious art there is no way to pay their bills. How do you fix that problem, steve . One of the things theyre trying to do is start all over. Dave bing the mayor, now on his way out, he was trying to downsize the city. Theyre basically trying to deliver services to a city that was once 2 Million People but theyre now 750,000 people. They need to find a way, for instance, they have been downsizing the School System to right size it really. It is a long process. That is why this is not an easy bankruptcy. It is not like Orange County in california again to go back to that a couple years ago. Melissa walt, is that the solution . Longterm,ing but i really want to distinguish bankruptcy which means theyre out of cash right now with the longTerm Solution. The bankruptcy situation that we have in right now has a lot to do with financings they entered into much like many other cities and counties did around the country, related to pension fund. Related to exotic swaps. It has a lot to do with revenue decreases that have come directly as a result of financial melissa how do you solve that, wallace . The way a traditionally been solved is the state government, this has happened in new york, ohio, many different states, traditionally state governments work carefully with the cities and counties that have these problems and work through the cash flow crisis to get to a longer Term Solution which is kind of structural solution that is being discussed. What do you mean by work through the cash flow situation . You mean give them mon think so they can pay their bills daytoday . One thing going back to the swaps, the cash crunch associated with the swaps is compensation to the banks for projected future profits because the city has lost its credit rating. And, the state can be of assistance there to keep from paying today the longterm potential profits from those swaps and createing a tremendous cash flow crunch right now. Melissa okay. So there is cash right now. The city of detroit no doubt has longterm structural props. Melissa sounds like a very tough problem to solve. Well not do it right now. Gentlemen, thanks very much for joining us. Thanks to both of you. Thank you. Melissa theyre back, occupy wall streeters taking to the streets of new york city. Surprise theyre demanding robin hood tax to stick it to the 1 . Do they realize theyre takeing a pound of flesh from your retirement instead . We have both sides here to debate that one. Plus wall street holds its breath as the fed holds a crucial twoday meeting. No matter what decisions are made have we blown our chance for robust recovery . We lay it all on the line. Do you ever have too much money . At od, whatever business youre in, thats the business were in. With Premium Service like one of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. Helping the world keep promises. Melissa steal from the rich and give to the poor. Youre not entering Sherwood Forest but today on the second anniversary of occupy wall street, protesters are taking to the streets to rally for a robin hood tax on wall street. Supporters say it could generate as much as 350 billion a year. But off whos back . Here to debate both side, Patrick Gleeson from americans for tax reform. Jennifer erickson a tax expert at the center for american progress. Thanks for both of you being here. Jennifer, i will let you go first. Why do you think this makes sense . Look at Financial Transactions tax which is the name of the robin hood tax. It is old idea, lots of countries, wealthy countries picked up from the United Kingdom to hong kong and singapore, what it does take a tiny tax on certain Financial Transactions, less than a fraction of a percent. What that does is two things, one it helps stablize the market by curbing less productive destablizing types of trades. Secondly it helps raise muchneeded revenue. Melissa patrick, what do you think about that . One of the problems it is a tiny tax now. Once it gets its teeth in you it will get bigger and bigger and bigger like all taxes . Yeah, melissa. The problem with this proposal which is just the latest in a series of alleged soak the rich tax proposals the proponents of it portray it only falling on these rich, gordon gekko figures and have Scrooge Mcduck like money vaults. In reality the taxes fall on ordinary americans. Robin hood tax, financial transaction tax real world effect much tax significantly reduce retirement plans of majority of americans. This will significantly diminish value of 401 k s and iras which is how majority of americans save for retirement. That is problematic itself. Last thing we need on top of 21 jobkilling tax increases signed into law by president obama last five years is another job killing tax increase. Of those 21, not all have gone into effect yet. Melissa jennifer, what do you think about that. The folks are lining up to clamor for this thing. Every transaction tax, every cop, school teacher, every person out there saving for retirement when, a stock is traded in your retirement account youre the one paying this tax. It is not gordon gekko because he can exchange on another exchange in the country and avoid. That is not how it would work at well. Melissa why, what is wrong with that . What part a of that 401 k . You can exempt things like atm transactions. When you write the law you can write it to the types of Financial Transactions you would like it to apply to. And you know, again lets look at United Kingdom. They have had a financial transaction tax for over 300 years. And the city of london isnt exactly hurting. They have got a really vibrant financial market, one of the biggest markets in the world. What were hear something a lot of scare stories but not actually how the financial transaction tax works in patrick. Melissa patrick, she make as great point. Anywhere they have this, the money has fled. London is doing fine without it. People come to trade on our exchange because it doesnt have the financial tax . Wont money flee and go on another exchange as a result . Melissa, the fundamental problem with this tax its a misguided attempt to make the u. S. Tax code more progressive. The u. S. Tax code is already steeply progressive. In act according to oecd we have the most progressive tax code of developed nations in the world. This is trying to make our tax code more progressive. It is already more progressive. It got more progressive this year january 1st the tax rate on Capital Gains increased 60 , going from 15 to 23. 8 with expiration of bushera tax rates and obamacare surcharge on investment income. We have most progressive tax code in the world. It got more progressive. Make it only more progressive will make budgeting harder. U. S. States across the country, more progressive the tax code, more volatile revenue and wider swings. This would not only be bad for economy, diminish the value of retirement plans would make budgeting more difficult. Melissa jennifer, let you want to respond to that. Absolutely i do. The United Kingdom does have a financial tax. Melissa i know. They have a huge and vibrant financial sector. I want to say this melissa a lot of trading has actually come to our shores as a result of that. We would without question lose that trading. Maybe that is when youre after . You tax something you want to discourage so do you want, maybe you want to discourage stock trading . I know that is lot of what occupy wall street is about. Is that one of the goals, to discourage active trading . Listen, if that were true, why would we see Business People like bill gates, like warren buffett, like john buying gel, who founded van guard Investments Holding up hands a financial tax is good idea. Melissa they already made billions of dollars because it is no skin off their back. Theyre fine wit. They already made all their money. They can do whatever they want. It is question of tax the things you want to discourage. Do you want to discourage trading that is fine if you do. Is that the goal . That is lot of goal occupy wall street is about. One trading we want to discourage. Melissa what is that. Destablizing part of High Frequency trading not done by individuals, real investors but by high Speed Computers doing, just, an amazing number of trades per second and trying to front run the market, take a tiny fraction after penny on a trade. That is the kind of investment that you would discourage. Melissa why does that scare you . Why do you feel that is bad trading . Flash crash, two words that should scare all of us. When we see flash crashes often times the result of High Frequency trading those things hurt our 401 k s. Those things can destablize the markets. Melissa okay. We pass ad fiveyear anniversary of lehman. Melissa market has come back dramatically from the one flash crash event she is talking about from 3 1 2 years ago. Actually, melissa. I have a better idea. Proponents and advocates for this robin hood tax claim it will generate 350 billion per year in additional revenue to spend on a host of pet projects that the left wants. Here is better idea to get the revenue. Currently u. S. Federal government spend something 23 of the gdp. Histor is 21 of gdp. If we adjusted spending brought it down to historic averages that would fry up additional 323 billion in revenue. Instead of job killing tax increase to get this 350 billion in revenue, can get almost same amount of revenue by reining in revenue putting it line with the postworld war ii revenue. Lets do that instead after job killing tax. Melissa thanks to both of you. We appreciate it. Next on money the feds twoday meeting is underway. Have we blown our chances of a robust recovery no matter what the fed decides. Well hear from both sides. Who made money today . He is giving new meaning to the phrase, friends with benefits. Well tell you who it is. Piles of money straight ahead. My customers can shop around see who does good work and compare costs. It doesnt usually work that way with health care. But with unitedhealthcare, i get information on quality rated doctors, Treatment Options and estimates for how much ill pay. That helps me, and my guys, make better decisions. I dont like guesses with my business, and definitely not with our health. Innovations that work for you. Thats health in numbers. Unitedhealthcare. [ male announcer ] now, taking care of things at home is just a tap away. Introducing at t digital life. Personalized Home Security and automation. [ lock clicks ]. That lets you loser to home. Thats so cool. [ male announcer ] get 100 in instant savings when you order digital life smart security. Limited availability in select markets. Melissa turning to syria, latest developments, tests negotiations to hand over chemical weapons and not simply going that well. President accusing western powers of trying to establish ties any agreements. Today a car bomb exploding right on the border of turkey just a day after turkey shut down assyrian helicopter adding more fuel to the already raging fire. Lets go live to the middle east. What is the expectation on the ground . So last two and a half years most of the fighting we have seen in syria stayed in syria. It is not spilled over the borders. In recent weeks and months we are starting to see violence spilling over between syria and turkey. And now his government is even accusing its northern neighbor of escalating the tensions between the two that stem from since the start of the war biggest turkey backed the opposition. The Turkish Military shot down as syrian mi17 helicopter that mistakenly crossed into turkish airspace yesterday. Turkey confirmed that they did, in fact, shoot down this year in a helicopter but they say it ignored repeated warnings. Now, this comes as a car bomb exploded near the checkpoint that Syrian Rebels used to go in and out. This type of violence is escalating, getting worse. Stabilizing the entire region. Now this all comes as hopes to strip cut the weapons committing a major snag. Russia is insisting the use of force, a u. S. Attack on the regime be taken off of the table no matter what happens with these negotiations Going Forward the Obama Administration continues to demand that, the Syrian Government must comply with the resolution at. They could still face western military action. Both sides are digging in. This is something we have seen throughout the two and a half year civil war. Russia a essentially protect the regime. The United States want to punish the regime. Neither side gives sen. The fighting really continues. Now were beginning to see the spread outside of the Syrian Border which is the big fear to not only the International Community but the regional powers that u. S. Allies in that region. Melissa back here at home the u. S. Economy not looking very encouraging either. A new survey says to break yourself are sluggish rest of the year. And the fed makes this big announcement tomorrow will it bring damage or delight. Joining me from opposite sides of the spectrum, bells capital partner. And max fines. Welcome to both of you. Everyone is so terrified of tapering. What if it is doing more harm than good at this point . Well, i think there are some problems here. I have seen Many Companies that i talk to that have delayed their spending, not increasing. That is a big problem. A horrible story. Melissa why is that the fed fault . They are delaying decisions by executives because they have essentially made the Interest Rates low since late 2009, delaying decisions because you get pushed into investing. Many supply constraints. That is the same thing that we saw that caused the power bubble melissa what do you think . There is no bubble in real estate or the stock market. More elevated prices than a few years ago. Melissa look at the prices. A lot of areas of looking like they are encountering the bubble. People that have been driven into the market by these rays that they think theyre going to go away. They are not going away. Just because the fed is going to taper and stop creating money does not mean rates would go to nine and 10 . We dont have inflation which is really the core reason why they have been successful. Thats their job got to keep the price levels and it. During a recession and the you would think would cause massive deflationary, very low level dollar. Melissa you have somebody really powerful on your side. On yesterdays sanity thinks the fed is doing more harm than good. Detrimental. You think about quantitative easing. The was put in at the end of last year. The interestrate wind up to just under three. How can you claim that as a positive. A lot of things to question. And everything considered, i think it has been a negative. Melissa what do you think . I agree with him right now. I will take issue with what the fed is doing. It has caused inflation. The Consumer Price index, prices are coming down from any capital type goods which is not normal. Melissa causing deflationary. I think they have caused deflation. They have created damage. So they should do more . What they have done is not enough. This should be more. Youre not going to get this economy stronger than it is. There are reasons for that. If you back off of the military stimulus we have the next recession, this is purely psychological. Fox business investors to be like, we can always lower rates. Melissa you guys both arguing for the fed to do more . There done a good job until now and now it is time to slowly back off, like theyre doing. Without even doing anything, removing all of it from the market over the next few years so that we are ready. I say they have no choice. They have to start. This plan is not working. I am concerned. The stock Market Reaction when they had to hire rates. Goes down. Every time they have qe the market goes down. There is no measure that it has not worked. Melissa other than the fact that the economy is barely growing. Its horrible. Businesses are not investing. Are you going to go with the counterfactual that things to be even worse . Thats not really their job. That was added on. This to say that it is. Our economy only looks bad if you compare it to america in the past. Melissa why wouldnt you . More people to support. That is what were trying to do. We are never going to grow at the race that we did. There is a reason. One is, population growth in the workforce that we dont have today. A slowing population. They are never going to pump up the per capita. We beat europe. That is the benchmark. Are we doing better than europeans . We are. As you get richer, you bit slower. You the fed cannot fix that. Melissa so what . Help me out here. Did in the year. Look at food stamps. One in seven people on food stamps. That is abnormal. There is no escape. Melissa you are still kind of agreeing. He is saying that this is as good as it is going to get. Youre saying it is horrible. We have no choice. Im not saying it is bad. It does not matter. Its less people. You are getting richer. In other words, the population going up. The economy is on the growing 2 . It is not. Melissa the population is growing. That is the reason the Unemployment Rate is not getting better. We are not creating enough jobs to keep up with population growth. Are rich enough economy to support all these old people. Melissa is this good . This is what it is and we should be happy with it and we are here in this is it . Absolutely not. As someone who is putting clients money in the stuff, im getting a warning. Companies warning in the past two weeks. Walmart, target. This is abnormal. It makes it harder to invest. Melissa i am not willing to accept your premise, my friend. Thank you for coming on. We appreciate it. We are still great. We will find our way back. That is great. Melissa youre done. Get over it, facebook. That is not stopping you from launching a war for live tv audiences across the country. We will tell you why it could change how you watch our most beloved shows. The end of the day, its all about america, dammit. At od, whatever business youre in, thats the business were in with Premium Service like one of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. 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Total subscribers topped the 1 million mark. Clearly that news landing well with investors. Just what you have been waiting for. Social media showdown. Facebook tries to take on twitter in the battle for live tv. For the first Time Facebook did you the ability for users to check in real time during the show dancing with stars. Here is our resident media guru. Is sure is. You get the feeling that they are taking a major aim. This is not just a little ditty. They dont do anything in a small way. It does it thinking about it. They appear in prime time. We have numbers. Dancing with facebook. It turns out during the show they came out and said that 650,000 unique users were commenting come out dancing with the stars. 768,000 total interactions about the show. Meanwhile on twitter 230,000. So facebook is doing this for the very first time. It is basically triple what twitter was doing. Even those were up easily. Melissa people have basically given up. Whether it is the oscars, mtv,. Said. Twitter has 200 million users. Thats all kinds of incredible data. Exac where. Facebook thieves that they cannot do. Here is what 30 yearold women are. They just are distributing these programming tools that to networks in shows making it far easier to tap into that live feed. Go out there and get a couple. Facebook. Now news programs and tap into the comments of thousands of people and see exactly what is going on. Melissa would you ever go and sit there and chat about what program is on . Are we just too old . I dont want to sit there and comment. It is funny to watch. Beyond that, why do you want to sit there . It turns out one study showed that less than half of viewers have never done any of the network calling features, the kind of stuff they are doing on screen. On the other hand, if your watching you might want to talk to someone. Can you believe this program . Melissa get on twitter and do it. I love when people tweet us during the show. But facebook is going mobile. I think that this could be a real threat. You know, theyre coming into their turf. Melissa let me give you a little money meter question. How likely do you think it is that facebook will be garnering a live tv audience . I would give it of full ten. Melissa at ten. So easy for television to do this. It will start doing a lot. Melissa thank you so much. Up next, if it has not happened to you yet, it will send. How expensive is someone smoking anticigarette right next to you . Totally fine and ridiculous. They should be happy there year. A great way to quit smoking. Melissa get him. This is not bother you at all . Its nothing. Melissa the booming popularity is setting up a battle in restaurants everywhere. Should it be allowed . We have it all in spare change. You can never have too much Dennis Kneale or money. Thank you orville and wilbur. Amelia. Neil and buzz for teaching us that you cant create the future. By clinging to the past. And with that youre history. Instead of looking behind. Delta is looking beyond. 80 thousand of us investing billions. In everything from the best experiences below. To the finest comforts above. Were not simply saluting history. Were making it. Melissa it is time for a little fun with spare change. Back together again, our resident got is Monica Crowley and our own adonis, adam shapiro it. Good to be back. Melissa everyone is talking these days. Where do you draw the line . The idea that they are smokeless and odorless means that you should be able to smoke them anywhere. Should you . Restaurants are starting to think about what the policy should be. They are tacky and and my fellow diners. I dont know. Would it bother you guys . First of all, if you are the owner or chef of a restaurant, it is your establishments. Very high end look, i let one person to it last week, but i find it tacky. Not consistent with my brand. Its not consistent with the brand. Would it bother me . It does not throw any smoke i think i dont think it would necessarily bother me as long as i am not inhaling what theyre putting out. It does not bother me as long as it is not interfering with the we are doing. There is secondhand vapor. There is actually a bit of an outer. Melissa right over here. Come on over. I dont smell and of order. I was pretending. It was trauma. It does not smell like anything. I dont know. Im pretty sensitive. Just a trace. Its almost like a little musty smell. I can smell it over here. Melissa is not possible. Are you getting a buzz off of that . Well, a think its lack of oxygen, too. Lack of oxygen and noblesse be read what is the point . I know the fda wont let you say they speak it could help people quit smoking. And when you look at this story, cigarettes. My restaurant. I can smell it. You cant smell that . Melissa now i can, but it does not smell bad. It smells like a man dollar something. My grandparents about. There was Nothing Better than when my grandmother would like the cigarette. This offer from the match. The first hit on her winston. That brings back childhood memories. Melissa this could lead to a slippery slope. We are just talking about restaurants, but you could be talking about airplanes, other confined spaces where people might want to do the electronics sigrid which is going to lead to bigger problems because there is vapor. There is a smile. Melissa what about the social implications. A real cigarette. Melissa but that is what we have. The image of the cigarette is Still Holding in a lower. People still associate the look. Although now we know the health risks. We know these things are bad. But this is exactly what we have to come back. We have been doing it for a long time. It still has a job. Melissa i dont know if it does. I could see. This has some health implications. The jury is not or the jury is still out. Melissa absolutely. So final vote, yes in the restaurant, no in the restaurant. I think it is each individual restaurants called. But it is not consistent with the brand, dont do it. Up to the restaurant. I dont like the nanny state. Melissa we are all libertarians to the end. Up next to my roommate money today. He may be nice, but he is making all sorts of green. The answer right after this. You can never have too much money. Im a careful investor. When you do what i do, you think about risk. I dont like the ups and downs of the market, but i cant just sit on my cash. I want to be prepared for the long haul. Ishares minimum latility etfs. Investments designed for a smoother ride. Find out why 9 out of 10 large professional investors choose ishares for their etfs. Ishares by blackro. Call 1800ishares for a prospectus, which includes investment objectives,risks,. Read and consider it carefully before investing. Risk includes possible loss of principal. This man is about to be the millionth customer. Would you mind if i go ahead of you . Instead we had someone go ahead of him and win fiy thousand dollars. Congratulaons you are our one milliontcustomer. Nobody likes to miss out. Thats why ally treats all their customers the same. Whether youre the first or the millionth. If your bank doesnt think youre special anymore, you need an ally. Ally bank. Your money needs an ally. But it doesnt usually work that way with health care. With unitedhealthcare, i get information on quality rated doctors, Treatment Options and cost estimates, so we can ke Better Health decisions. Thats health in numbers. Unitedhealthcare. Nice car. Sure is. Make a deal with me, kid, and d you can have the car and everything that goes along with it. [ thunder crashes, tires squeal ] so, what do you say . Thanks. But i think i got this. [ male announcer ] the allnew cla. Starting at 29,900. Melissa here is to make money. He is now the star of a new ad campaign. Obviously it features a lookalike. The secret to world peace is be courteous. Melissa what . Mean, i dont understand. They are supposed to be best friends. I cannot wait until he wins the nobel peace prize. Meanwhile, losing too much money today, the owner of penthouse magazines. Filing for bankruptcy. On top of penthouse it owns a group of Adult Websites that have racked up more than half a billion in outstanding debts. Bankruptcy is the best way to clean up. That and a mop. And paying a whole lot more money, football fans going to the 2014 super bowl. Said to charge 2,600 a pop. That is more than double the price. Fear not, the nfl will lower that cheapest superbowl seats to 500 bucks down from 600. That is all we have for you. I hope you may money today. Be sure to tune in tomorrow. The new 2hour email rule. If the company said he had to respond within two hours even on weekends and holidays, will you do . That is tomorrow. We will see you then. Gerri hello, everybody. Im gerri willis. Tonight on the willis report our special report, a users guide to education. Tonight all you need to know about the right college for your child. Also, drivers, safety experts, police and politicians are coming to agreement. Higher speed limits are a good thing. And consumers rejoice. About says make a great time for shoppers. Watching out for you tonight on the willis report. Gerri we will get to tonights to