Private finances, and it did not even ask. Is siepi be is reportedly cozying up with the u. S. Trustee program to collect bankruptcy data to help fuel a massive consumer database. With more on this, director of investigations and research at judicial watch. Thank you for coming on. It is not just the nsa, boys and girls. Now it is the cfpb, an organization that is supposed to be protecting us. Is it . It is not. Arguably cohan it is far more intrusive than anything the nsa is doing in the civil rights on one with t irs is doing. They have unlawfully breached the Fourth Amendment search and seizure provisionand gone after the personal Financial Data of millions of americans. The spreadsheet of the info that they get on you contains 96 elements, everything about your credit card paying history, your line of credit, when you made your last payment. It is excruciatingly detailed, and it is very, very invasive. It is a huge bridge of the Fourth Amendment. Gerri i agree, but im going to play devils advocate. This information is available everywhere. There are private companies to collect this data. Alastair doing any different . Private companies can do as they please engage in business with each other. The difference is this is the United States government. That is the big difference. Why our constitution tells the government what it can and cannot do. It does not talkbout private parties and do. It is a restriction and constraint on the government him th powers of governmentnd the cftc is out of control. Gerri i would think the name of that organization sounds like something of a 1984. It is orwellian. Theyre to protect you. Soda protecting us from . Gerri okay. This particular thing and doing, they said it would collect the dataase. The idea is that this is somehow going to allow them to have better insight into Consumer Practices so that they can write better laws. At the same time, the organization that they are collecting this data from which is called mgan direction is working with Bankruptcy Attorneys all over the country. And they are under investigation. Help me understand that. What does that mean . Are they just trying to protect us from this company or what is happening . Back in may of 2012 an attorney with the u. S. Trustees program filed an overly broad discovery request to get tons and tons of records on all sorts of people in the country who well, consumers cannot get to break. Housing finally seeing that recove. Getting a mortgage will be more expensive and trickier than ever. With more on this, mortgage expert. Welcome back to the show. It is so good to see you. Have not seen you for a while. For. Good to talk to you perry has been a while. Gerri a triple lemme coming in january. What is this . Tell me . There are three things. When you were just speaking on this siepi be, so i might as well jump in. There ability does into effect in january which means that if you are a borrower with a debt to income ratio of 43 to more you are not going to qualify for the loans that the siepi be is encouraging lenders to make. That is one problem. That loan limits dropped precipitously. In some of the higher cost markets its going to be difficult for people to find a loan at all over a certain dollar amount. Gerri Mortgage Rates going up. That is the other of 120 basis point move. You look at it now. Big changes. Already seeing that it is sitting the Housing Market already. Starting to see fewer stay it fewer sales. You are a true mortgage or realestate expert. Is this going to hit prices . It will eventually. It cannot not hit prices. Right now it is sitting affordability. People are opting out. At 13 drop in Mortgage Applications last week, but as interestates go up and some of these payments tracks hit we are going to see some prices decline. Had nothing that we are looking and a free fall. I think that this will be probably a temporary dip. Eventually next year we will see some other mortgage products come to the market that people will be able to get. The beginning of the year will be really tough. Gerri what is interesting about this is this is all brought on by the government. Here we are in a situation where the government to face arguably they created a less bubble with the freespending and freewheeling ways. And now here we are again, now the government is introducing rules to make it harder to get a mortgage which is really going to kill this rally in the Housing Market. What do you make of who gets hurt . That is a really good question. Obviously the Housing Market the Housing Market is one of the w really bright spots in the economy. I guess the answer is everybody takes a hit ifhis goes unchecked. If you have a lot of money will still be able to get a mortgage. The one part of the market that private capital has come back to is jumbooans. Those people are super qualified. More than 20 percent down payment. A years worth of cash reserves. And Credit Scores that are off the chart. Not everyone can qualify for this kind of lump. Gerri the irony is that the wealthy we will benefit. The top 1 percent will do very well in this. The people that the government typically wants to help, especially this administration, poor, middleclass is getting slammed. And that is one of the unintended consequences. I think what they did not anticipate was what is going to happen. People at the low end of the socioeconomic spectru minority groups typically have trouble getting loans i going to be the ones most challenge to qualify for these loans. Even the fha program which usually is an opportunity for people, firsttime home buyers, that program has more got more expensive because of the new insurance requirements. In some cases the last link of the loan. So it is going to be really challenging the first part of the year. Some of the price constraints. Gerri and here is the irony. The proportion of mortgages purchased by Government Agencies , 90 . So the federal government has not really roll back their involvement in the market at all. We are back to where we were. Governments calling the shots. I dont know about you, but i do not trust them to run this market. Well, the other way of looking at it is that they have pulled out of the market right now there would be nine. So this has to be an orderly retreat. Some people would make the argument that the reason we are seeing fannie and freddie drop their loan limits is specifically to encourage other lenders to get into the market and reduc that government footprints. But whenever the government does in terms of friday, fannie, fha, jenny made, they have to do it awfully, carefully, and gradually won the market could collapse. Gerri fox business broke the story about 20,000 Mortgage Business originators getting laid off today. We are seeing a lot of people getting out of the business altogether. Here you are saying the government is trying to encourage the private sector to get in, but just the opposite is happening. What will it take for the private sector to say, we see a virginity and were going to put our resources behind the Mortgage Market . A couple of quick shots for you. A lot of the layout so you see right now are because these banks have relied on refinances, refinance loans for the last year. Those have dried up as Interest Rates have gone up. Purchase sunset not come back to replace those. We are going to see a move from nonbank lenders, Companies Like my old company, carrington, and others fill that void. It will take awhile for private capital to come back because it is too risky for private capital to come in. Richmond using eminent domain. What lender in his right mind would issue alone in a market where the local government could come in and climate. Gerri not one. Not one, my friend. That kind of activities distills the market because they cannot they dont know what to expect. You know, you must come back. It has been a long time. Good to see you. Any time that you wt. Gerri thank y. Mort, mort, mort to, including ways t reduce the energy used in your home and also cut your costs. And the weekend marks five years since the market meltdown. Ha it changed the way you invest . Looking out for you and your money coming up. 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. Gerri can you believe it . Five years since the collapse of lehman brothers. That was the start of what became a financial meltdown. Ericans are now more cautious, but would investing lessons should we have learned . Joining us now, senior portfolio manager. It is great to have you on the show. So pleased to have you here. You are just the perfect person to talk about this issue. First of all, i want to hear about your reflections on five years ago. How does it feel today . Will we were all going through it was shocking and astonishing and more than a little unsettling. No question about it. The second week in october 2008 the system as we know it almost fell apart. Thankfully we have tried to put county got it back together. Most of the pieces are working and okay. Gerri i have read i believe that the city just paid back its last payments to the fedal government. And it made me think of this command i am curious about what you would say. The time value of money from business school. Everyone says everything is fine because there, stayed down all the money. We could have done other stuff. What about theeople who lost their homes. Why was it was true that was made all . Youre absolutely right. When you think about what went right and wrong. Who won and lost, it is easy to say it was not as judicious as we might have made if someone could be king or a judge and get all of that stuff right. I facetiously said week but wanted them to back together again. What i mean is the system is working, but there were dislocations, some of which are permanent. Gerri a lot of people still have a bad taste in their mouth because of that. Lets get back to investing in the markets. I have never seen people affected by anything more than what happened five years ago. People were so deeply unsettled by that. So they sold stocks, you know, being risky at that time. Even today being in bond. All in. Money marts. They are still like that. Peoplere still nervous about the market. What do you say . What should have been aesson that we drew from what happened five years ago . Well, it is easy for me as some money monday morning quarterback to say were supposed to buy low and sell high. Therefore when it looks like the world will make it that is the time the evidence to step in and buy. Its easy to say five years later. I think you are absolutely right. Why unconstructive on equities is that as you point out, that fear, that consternation, a survey recently that showed more than 60 percent of americans are still deeply mistrustful. Great news. Bull markets dont end until people are absolutely in love with whatever that particular thing is. I think this wall of worry or walla fear we will continue to find. Gerri i think that as well put. Youre totally rights. People are i get emails all the tim. I would not put money in the stock market for nothing. Absolutely true. Let me talk to you more broadly and specifically about the markets for a moment. What is your outlook . A lot of people worried about this fourth quarter. What to uc . So, my big picture view is the bull market in equities is not over. U. S. And Economic Growth continues and Earnings Growth as well. Near term meaning tactically i think we have been and remain in a consolidation phase. Big gains. A little bit tired. 1550 is 1700 trading range. Contains the list and growing list of uncertainties of the fed , and tapering, the issue of a continuing resolution, the debt ceiling, little place called syria. Where is the revenue and Earnings Growth going to come from . There are a list of things. The good news is theres a lot of money on the sidelines. Economic growth is improving ever so much, not to make a difference. Gerri if you had one concern you meant mention the whole litany. Which has you most concerned . The biggest risk for me is not necessarily that list, but it is do we have enough growth . Like to say do we have been a phenomenal growth. Real growth plus inflation. Companies are in the revenues in nominal dollars. We pay our bills in nominal dollars. We need enough of them so that when the music stops people have the chair to sit in. Gerri i like that. Thank you for coming on the show. You have to come back soon. Aapreciated the conversation. Well, be sure to tune in to a fox business all day on monday for a network why special look at the market meltdown five years later. Coming up later in the show. A unique option for getting a harvard or mit education. Next we is it a question, how do you do that . Costcutting advice before yr next steve utility bill. You want to watch out for that. [ woman ] if you have the audacity to believe your Financial Advisor should focus on your longterm goals, not their shortterm agenda. [ male announcer ] join the nearly 7 million investors who think like you do. Face time and think time make a difference. At edward jones, its how we make sense of investing. Like carpools. Polly wants to know if we can pick her up. Yeah, we can make room. Yeah. [ male announcer ]. Office space. Yes, were loving this communal seating. Its great. [ male announcer ] the best thing to share . A data plan. At t mobile share for business. One bucket of data for everyone on the plan, unlimited talk and text on smart phones. Now, everyones in the spirit of sharing. Hey, can i borrow your boat is weekend . No. [ male announcer ] share more. Save more. At t mobile share for business. At t mobile share for business. Nascar is about excitement. But tracking all the action anhearing everything from our marketing partners, the media and millions of fans on social media can be a challenge. Thats why we partnered with hp to build the new nascar fan and media engagement center. Hps Technology Helps us turn millions of tweets, posts and stories into realtime Business Insights that help nascar win with our fans. Gerri consumers are paying big bucks to save on there energy bills. Consumer reports is her gerri want to save money on your energy bill . We will help you do that. Many products in that sector guenon live up tonight. We are separating the savers from the scams. Senior project editor for Consumer Reports. Welcome back to the show. Always great to have you. Here is Something Interesting that added not realize. Consumers are wling to pay 7,100 more from the reduces their energy costs by even a thousand dollars per year. People really pay up for this. Absolutely. That was a study done by the National Association of home builders, but it shows you how important energysaving is to consumers. We know that there are a lot of scams in this particular area in terms of improvements that you can make to your home to make it more efficient one way or another tha off or that it takes so long to pay off you might have sold your house years before. You have to be very wary of these claims. Gerri you have another interesting factor. Consumers spent 7 percent less on energy when they monitor their usage. If you are watching youre going to set spending less. Absolutely. We call them wt watchers. People who are scrupulous about monitoring their energy usage tends to pay 7 percent less. D the good thing is that it is easier and more and more Utility Companies to do that because nearly half of the companies out there today and what they call it a green button on there site where you can easily check your usage. That makes it easier for unifil where were spending money. Gerri and like that. Is wifi enabled programmable thermostat. S. Pacific product in this that you like . What can i do with it . Wifi enable stuff, programmable thermostats are fantastic because they can save you 10 percent right off the bat simply by automatically adjusting your homes temperature while you are awake or asleep. We at Consumer Reports tested does that were especially convenient because thermostats can be really, really cumbersome to use. The easiest and best that w have found work all of them cost around 300 or less. That meant learning thermostat, nest is in birds nest, the vestar, a touch, the honeywell prestige, and the echo be. In those i terrific because again, they are easy to use. More apt to take a vantage of all that they offer if in fact you know how to figure them out. And love it when you give us specific product ideas because that helps people do what they need to do. But the names of those on our website so people see what youre talking about. Think that is useful. I get phone calls all the time from people who say that they are with utilities and want to save me money in this is a new utility. If you only take us up on our offer right now. What is up but that . Is that a good idea . Well, you can save by switching the provider of natural gas or your electric carrier. It is cumbersome, complicated. This savings really has to be you have to do a real apples to apples comparison, and that is often the impression that is lacking so much when you are given the hard sell with a spiel. You know, utilities to offer example, promised big energy savings, what they call a smart utility meeting today. Everything is smart today. These are meters that can help you monitor your energy consumption. But you will all be saved if the utility also offers what they call time of use rates which let you control your costs by runningour appliances, for example, during lessexpensive offpeak hours. A lot of them predicates savings based on using products at offpeak. If you cannot sink them up,ou dont know. Gerri the devil is in the details. I have to tell you. I appreciate you coming down and talking to us. Thank you. Great to have you on the show. My pleasure. Take care. Gerri coming up, how much of your salary goes to health care . We have the results of a shocking new survey. Next, trying to change the face of education. Waitntil you hear about this, offering harvard class is to everybody. We will explain until you what were working on for next week. You will want to hear about that. For our children is something the purwe all share. Ter life but who can help prepare them for the opportunities ahead . Who can show them how to build on your success, but not rely on it. Who can focus on making your legacy last for generations to come . That someone is a Morgan StanleyFinancial Advisor. And were ready to work for yo she took an early spring break thanks to her double miles from the capital one venture card. Now what was mrs. Davis teaching . Spelling. Thats not a subject, right . I mean, spell check. Thats a program. Algebra. Okay. Persons a and b are flying to the bahamas. How fast will they get there . Dont you need distance, rate and. No, all it takes is double miles. [ all ] whoa. Yeah. [ male announcer ] get away fast with unlimited double miles from the capital one venture card. Youre the rlds be teacher. This is so unexpected. Whats in your wallet . From our fox busine studios in new york, here again is gerri willis. Gerri they are calling it the youtube of massive online open courses. Google announced a partnership with the Online Education nonprofit to expand the world of online courses. Now anybody from any country and any profession will be able to access courses with se of the best universities oline and get that for free. I hope i pronounce your name correctly. Spigot is a pleasure to be on your show. Erri were so excited about this idea. I dont think Everybody Knows your company, tell us what you do. We provide free access to quality courses from 28 world leading educational institutions. Using our open source platfo. Gerri tell us about the google ownership, what will happen and what will mean for people who want to have access to this education. We are very excited to Work Together with google. We share the same commitments as google running access to education with people worldwide. Google has a commencement of impring technology and improving access to education, and what we will do Going Forward on improving our technology platform, providing a broader access point for consumers and producers of content worldwide. Gerri you want to be the youtube, so anybody can play, anybody can participate. Will there be any Quality Control . Absolutely anybody can teach yourourse . Absolutely anybody can take a course. Can anybody teach a course . We will find initially there will be some cure ration because our commitment to quality and our partner institutions importance of quality will be the. Over time imight provide access to just anybody so literally anybody, faculty member, International Corporation wanting to get access to consumers or be it individuals that want to put up the course can do so. Gerri in this country the cost of tuition is out of reach of so many people. What role will this partnership play in that problem . I think that is a really important question and one that everybody is struggling with to find an answer to. Edx want to provide an opportunity for access to education. It is not reply traditional oncampus education. What it will do is enable people to broaden their horizon, to be able to access courses from the stitutions, and overtime it will lower the cost for education, not just in the u. S. But worldwide. Gerri that is definitely a step in the right direction. Tell us how it is going once it gets started. We look forward to that. Thank you for coming on, we appreciate your time. Thank you. Gerri big changes in the field of education as we described an Online Education, just one of them. Sometimes the most transformational changes happen so slowly you barely even see it. Like with fox stations all over the country this morning. That is the declining value of a decree. I believe you are paying more and getting less when it comes to college. These days you cant just take it for granted every High School Student should go to college. Schools have been spending parents ever increasing tuition dollars unwisely. What has become an academic arms race universities are getting more and more amenities. What campus doesnt have a fancy new student union. And the stateoftheart gym, art gym, showers, climbing wal, sushi bars, the students are living large. When it comes to what matters most, things are not that hot. On the 40 College Students are taught by tenured professors. This much more likely your little johnny or johanna will be listened to a teaching assistant. Students are less prepared when they finished their degree for the real world. A third of students gain no measurable skills on their expensive academia. And all next week we will be examining what is happening to College Education offering parents and students alike the tips, the tools, the strategies for getting an educaon without raking the bank. Watch next week for our users guide to education. It will be exciting. Tory johnson is here to talk about her amazing weight loss journey. With obamacare getting more messy, and a study of how much we are spending on health care. Results coming up. Announcer where can an investor be a name and not a number . Scottrade. Ron im never alone with scottrade. I can always call or stop by my local office. Theyre nearby and ready to help. So when i have questions, i can talk to someone who knows exactly how i trade. Because i dont trade like everybody. I trade like me. Thats why im with scottrade. Announcer scottrade proud to be ranked best overall client experience. 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. Congratulations you are our one millionth customer. Nobody likes to miss out. Thats whally 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. Gerri as we inch closer to the Obama Exchange going to affect, a new survey out today shows there is a frightening lack of knowledge when it comes to the law. Here with all the changes in the shocking findings from t survey is bank rate. Com insurance analyst. Thank you for coming on. These results were amazing. Tell me how out of touch, out of the loop are consumers . We wanted to know what is it you would most want to know about the Affordable Care act or obamacare th. 50 wanted to know what is obamacare . Another 20 wanted to know is it really going to happen. There is definitely an information cap, a knowledge gap out there. Gerri some of these polls are showing it haseen repealed, which isnt true either. What is going to be the end . If people dont know what is going on, how will that impact open enrollment . There is a lot of confusion. The train is leaving the station, they have to be aware of that and they have to get on board. There will be problems of people miss out on opportunities, if they misse miss deadlines. When exchanges op the window will be open for six months so people will have six months to shop on the exchanges, compare plans. That will happen at the end of march. Until the fall of next year. We want to get the word out. Gerri there is a limited window, so it could be people dont know what is going on so they dont play. Another great thg, 40 of americans spending more on health care now than they were a year ago because people are realizing the rising cost in prescription and copay. We were promised we would spend less. Just the opposite. Now what do you make of this . A kind of wonder people responded that way because there is a lot of sensitivity to Health Care Cost. So much publicity and so much attention to this issue people have heard so much maybe they are noticing more when they go to the doctor and the copay is 25 instead of 15 or they go to get a prescription they have been getting all along on a regular basis and it costs a little bit more. Maybe this is when people are little more sensitive because in my opini Health Care Cost may be one of those things you dont really notice as premiums are taken out of your paycheck you may not notice how much is going out of your pay every other week. Gerri heres another great one for the survey. 28 feel more negative, 14 only feel more positive. This is what we have seen as people become more and more familiar with this law, they see things they dont like. More and more people say we wish we wod have done this differently or that differently. Now as the law is in effect, my friend. This is a very, located law, over 900 pages. A lot of nuances, it is difficult to get in there and understand it. It is important for people to seek out information and find out what is going on. By the same token as has been called the most important piece of social legislation since Social Security so theres a lot here for people who are uninsured. Important for people to wake up and try tseek out information. Gerri the question is just how do you do that. Great survey. Interesting stuff, appreciate your time. Thank you very much. Gerri still to come, my two cents more. And this did she has been a frequenguest on the show but you may not recognize her since she lost more than 70 pounds. Find out how tory johnson did it. She looks great. Look at her. Yes. Gerri she is usually here to deal out of Business Advice but deal out of Business Advice but this gerri one of the shows favorite guests, corey johnson, typically doling out business ps. You probably saw her on Good Morning America but now shifting her focused weight loss after losing 70 pounds. Author of the book the shift. Efore i even ask you a question, i want to show the before and after. Oh, gosh. Gerri a look before, and 70 pounds later. My kids said to me that is two of our dogs. You cannot pick up theog. That is like two dogs. Or a small person. Gerri when was the moment you a have to lose weight . Throughout my life tha theree been tons of those moments. Gerri iveever thought of you as heavy. Look at the footage of me on your show. Youre very kind. I was sort of resigned to the fact i cant do this, i was never happy about that, i cannot do this. Who is that. Thank you for pulling out that old footage area did i never had in december 2011, almost a year and half ago, a conversation with one of my bosses. She said very graciously i dont think youre close to you any justice. I suggest we see a stylist. She never used the word fat, lose weight. My job was never threatened. But what i interpreted, what i heard was lose weight or lose your job it you can say does this look good . I can say it looks fine but you can say what you mean, find . I interpreted lose weight or lose your job. Had i focused on my clothes it would have been another gimmick, another lets focus on something that doesnt really matter when the reality was i was fat and needed to lose a lot of weight and it was the wakeup call and needed. I decided january 1 that is it, this will be the last new years when i wake up with a weight loss revolution. Im going to tackle it. Gerri typically what people do january 1 i have been doing nothing but eating now i will lose weight and that stays with you for maybe seven days. Max. Instead for me it stayed with me for 20 months. 72 pounds. If you would have said me at the beginning you are going to change your entire lifestyle and lose less than a pound per week i wouldve said forget it, i am the most impatient person on earth, i want a quick fix. Give me a miracle result. And so, for me what i discovered was that there is no substitute for patience and perseverance. Gerri my understanding is he lost Something Like 3 pounds per week, is that right . No, like 3. 5 per month. If you look at it over 20 months. It has been 20 months since when i started. That is less than a pound per week so if you would have said to the beginning that is what it is going to take. Mental, all mental. Literally, the whole plan was like a lifestyle change. Not a temporary quick fix. That is the biggest thing i can tell you. It what you want for six days, the seventh day go wild. For me that is rewarding good, healthy eating. It is akin to an alcoholics albany a month of sobriety with a beer. I cut it all out. Low carbs. Healthy proteins, healthy vegetables. Totally normal and i eat a lot less than i used to. Food is fuel. It doesnt have to be fancy top chef fabless every time. I have other excitement and joy in my life aside from food. Playing with my dog, doing fun things. Nail polish is my savior. When you are tempted late at night to go in the bag of chips you put a topcoat on yur nails and suddenly you cannot do that. Little mental tricks and that is what the whole bo is about. A yearlong journey of daytoday struggles, week to week triumphs. If i did it, anybody can do it but it is not a quick fix. Gerri you have been gone for too long. Thank you, thank you have inspired a lot of people. A great job, you look fantastic. Now we want to know what you think. Are you happy with your weight . Vote on the righthand side of the screen and i will share the results after the break. Stay with us, we will be right back. Nascar is about excitement. But tracking all the action and hearing everything from our marketing partners, the media and millions of fans on social media can be a challenge. Thats why we partnered with hp to build the new nascar fan and media engagement center. Hps Technology Helps us turn millions of tweets, posts and sties into realtime Business Insights that help nasc win with our fans. Like cpools. Polly wants to know if we can pick her up. Yeah, we can make room. Yeah. [ male announcer ]. Office space. Yes, were loving this communal seating. Its great. [ male announcer ] the best thing to share . A data plan. At t mobile share fobusiness. One bucket of data for everyone on the plan, unlimited talk and text on smart phones. Now, everyones in the spirit of sharing. Hey, can i borrow your boat this weekend . No. [ male announcer ] share more. Save more. At t mobile share for business. Gerri just a few moments ago i was joined by tv personality tory johnson. Wrote a book about her amazing weight loss over the past two years. We asked how happy are you with your weight. Bernard writes not too fat, not too slim. Kevin says only weight loss i have been experiencing is my money. We also asked this question on gerriwillis. Com. To the 3 said no. Here are some of your email by popular topic recovered. Restaurants banning children. Reassess it is not the children but the bad parenting that annoys me. They have the right to act like they are at home with no consideration for those around them. They will not take them out and discipline like our generation did. Gene from new york says in reality is not the kids, but the parents who do not keep them under control. I can see how to act and they started screaming i would pick them up and go outside until they settle down. Kids these days ignore poor behavior. And from washington writes i hate when kids start crying and screaming and restaurants. I go there to react, not to have my nerves shattered. We love hearing from you. Send me an email. Finally, all dennis network will talk about the tragedy of 9 11 showing pictures, talking to people who were here then. Everybody in this building i believe lost somebody that day. Hardware lived in new york and not know somebody who died that day. I was investing at the time, i remember going through my rolodex pulling out the cards of friends and sources who were suddenly gone. I was one of the lucky ones. My husband a i left a corporate apartment blocks from the world trade center. When i lived there every day i walked by the twin towers on the way to the subway. When they fell, my brain could t comprehend how such massive structures could possibly fall. What was more lasting than those buildings are the bonds. As horrific as 9 11 was, we should never forget. That is my two cents more. Thank you for joining us. Dont forget to dvr the show if you cannot catch us live. Have a good night. Lou thank you for being with us. Today marks the 12th anniversary of the september 11 terrorist attacks that claimed the lives of nearly 3000 people. Our Nations Capital today faced with two contesting forces seeking to pay respects, thousands of bikers roaring into washington today to commemorate the victims and the families of the worst terrorist attack ever to occur on american soil. They proceeded with their plan despite being denied a permit to the National Park service, the same bureaucracy the grant a permit the american Muslim Political action committee. So the group could use the spotlight of