to mitt romney early this tuesday morning, november 15th, 2011. captioning funded by cbs good tuesday morning. i'm erica hill. >> and i'm chris wragge. also ahead this morning on the broadcast, the first words we've heard from congresswoman gabrielle giffords in nearly a year. she talks about her recovery saying she won't go back to congress until she's better. now, on capitol hill this morning, survivors of gun violence testifying calling for fighter gun sales. >> she's going to weigh in and tell congress understandably why she is there this morning. we do want to begin this morning with the occupy wall street movement. the new york city park where those anti-corporate wall street protests began has just been cleared out for the first time. >> police arrested dozens of protesters last night. michelle is in manhattan with the very latest for us. >> reporter: good morning, chris and erica. cbs has learned that mayor michael blackberg met late last night to officially green light this operation. shortly after midnight, more than 1,000 police dressed in riot gear filled the streets of downtown new york, moving in on the occupy wall street camp, bringing heavy equipment and a no nonsense attitude. >> all persons are temporarily -- if you refuse to immediately remove your property from the park or refuse to leave the park, you'll be subject to arrest. >> earlier, police handed out flyers saying the park had become a health and fire hazards. protesters were told they would be allowed to return to the park after it was cleaned, but without their tents or sleeping bags. dozens were arrested as police moved in. some protesters resisted. others taunted police. many chanted a now familiar phrase. >> we are the 99%. we are the 99%. >> they're treating us like we're some kind of violent people. we're just -- this is so sad. this is america. >> the decision to clear out the park came a day after organizers announced plans for a series of protesters, aimed at shutting down wall street and disrupting bus service on wednesday marking two moss since the protests began. early this morning, sanitation crews began to power wash the park. a short time later, michael bloomberg issued this statement. unfortunately, he says, the park was becoming a place where people came not to protest, but rather to break laws and in some cases to harm others. the majority of protesters have been peaceful and responsible, but an unfortunate minority have not been. the city is a says protesters will be allowed back in. they just will not be allowed to camp out. erica, chris. >> cbs's michelle miller in lower manhattan for us, michelle, thank you. >> that will be an important distinction, they can't bring in sleeping bags and tents and things. we want to get you the latest in the penn state child sex abuse scandal. as we hear from the suspect in his own words for the first times. >> in an interview, former football coach jerry sandusky said he made mistakes but denies the charges against them. i enjoy young people, but no, i'm not sexually attracted to young boys. arma, good morning. >> reporter: good morning, chris. in a lengthy television interview with bob costa, sandusky painted a very different picture of the alleged abuse, denying he had ever raped or molested any young boys. >> i say i am innocent of those charges. well, i could say that i have done some of those things. i have horsed around with kids. i -- i have showered after workouts. i -- i have hugged them and i've -- i have touched their leg. without intent of sexual contact. >> more people are going to have some stories. >> pennsylvania attorney ben andriozzi who represents one of the alleged victims in the scandal told cbs news his client suffered years of sexual abuse by sandusky who he met through sandusky's second mile charity. >> can you characterize the kind of abuse your client allegedly sustained? >> severe. >> severe? over a number of years? >> over a period of time, he suffered severe sexual abuse. mr. sandusky built a relationship with my client and i believe that he used that relationship with the second mile program and with the university to his advantage so he could essentially stalk and prey on these victims, including my client. >> sandusky stands accused of abusing at least seven other boys between 1994 and 2009. last night, his attorney, again, defended his client while admitting that sandusky did shower with young boys. >> i mean, i wouldn't do it. i'm sure you wouldn't do it. i would feel uncomfortable doing it. but jerry did that. but that's a far different thing than saying he got showers with kids than saying he committed these other acts which the prosecution has alleged he did. >> legal experts say some of the victims, all under the age of 30, face limited options. under state law, if the alleged abuse happened before 2002, the victim had until the age of 20 to file a civil suit. if it was after 2002, they have until their 30th birthday. andriossi disagrees. >> i don't really see any legal roadblocks whatsoever for my client or for any of the victims in this case. >> on monday, dr. jack raykovitz stepped down after 20 years being ceo for the organization. in his statement, he said he hoped his stepping down would lead to a restoration of the charity. >> just imagine how those victims felt when they knew someone came forward and didn't listen to them, didn't stop it. >> as the "new york times" reported it, as many as ten additional victims have come forward and the people we are talking to said almost assuredly there are more to come. >> armen, thank you. this morning, the future of president obama's number one piece of legislation, his health care law, is now in the hands of the supreme court. >> the justices' decisions will affect tens of millions of americans. joon, good morning. >> good morning, erica. this could be one of the court's biggest cases. the justices are going to tackle a question they have never decided and one that could affect almost every in this country. can the federal government force you to buy something? st white house called it a once in a generation reform. landmark health care legislation pushed through a reluctant congress without a single republican vote. >> it is an extraordinary achievement. >> it's now a hot button issue for the republican candidates vying to take back the white house. >> obama care is wrong. i'll repeal it, i'll get it done. >> but the supreme court may do that first. the justices will decide whether the affordable care act, which promised health care to 32 million uninsured is unconstitutional. at issue, which congress overstepped its power when it required everyone to buy insurance or pay a penalty. florida and five other states joined forces to na it's unconstitutional. >> this law is not just unconstitutional, it's unprecedented. it's the first time in our nation's history that individuals have been forced to engage in commerce by the federal government. >> the administration says the law is critical to its success. without everyone kicking in other provisions, coverage with pre-existing conditions won't work. it could affect benefits already in effect. since the law passed, 1 million young people have taken advantage of the provision allowing them to stay on their parents' insurance until the age of 26. and 35,000 are now covered because insurance companies are banned from discriminating against kids with pre-existing conditions. that would extend to adults in 2014 if the supreme court agreed. >> jan, if the supreme court finds the law unconstitutional, what about people that have been relying o benefits? >> well, that's a great question and it's unclear. as part of this massive case, the court is going to decide whether if it knox down one part of the law, like the part requiring you to buy insurance, whether other parts of the law can still remain in effect. so this may end up going back to congress at some point for a whole new law. but, chris, that just shows how complex this case is. and think about this. the justices normally spend an hour listening to arguments. in this case, they are going to take 5 1/2 hours. that is the most in modern history. >> jan crawford in washington, jan, thanks. several republican candidates are heading to iowa this morning, ahead of the all-important caucuses in january. >> and a new interview is causing more problems with herman cain. dean, good morning. >> good morning, chris. seven weeks to go before the caucuses here, so it's no surprise to see the state filling up with candidates. some on the rise and some not. with his polling numbers sinking, the last thing herman cain needs is to open a new avenue of questions about him and his grasp of big issues. but during an interview monday with the milwaukee journal sentinel, a question about the administration's policy on libya elicited a nine-second pause. >> libya. >> he eventually said he did not have access to the same intelligence on libya as the white house and his campaign added that he had had only four hours sleep. later, he tried to minimize the damage. >> it was a pause. that's all it was. good grief. >> for cain, two new polls furthered a downward trend first noticed in our cbs sampling on friday, indicating allegations of inappropriate behavior with four subordinate females may be taking a toll. the campaign summoned the candidate's wife to rebut the charges. >> enough is enough. everybody has an opinion, but they don't know herman. >> as cain is sinking, newt gingerich is bobbing to the surface. in the polls, at least. a series of sharp debates has catapulted him over the fading stars of michele bachmann, rick perry and now herman cain. something the star is reluctant to note. in iowa, gingerich was emboldened to take on mitt romney and echo what a lot of republicans are saying. >> a large part of this decide -- i'll let you decide what percent, but a large part for one reason or another isn't comfortable with governor romney. >> now, joining gingerich in iowa today will be rick santorum, rick perry, michele bachmann and herman cain who has scheduled two news conferences today in an apparent bid to stop his slide. erica. >> dean reynolds, thanks. i want to check in now with john dickerson who joins us this morning from washington. thank you for joining us. as we're looking at this, dean has laid out with what's happening in the last 24 hours or so. cain stumbled on libya. he's dropped in some of the most recent polling. what is really going on here with herman cain? can he recover from this? >> well, he has two problems. one is the sexual ra harassment claims have seen his numbers go down, but also his favorable ratings which had been going up, they are now going down. with that problem then comes along this other one. it's that even though his campaign said he wound around to the answer, ultimately at the end, it hit that his key weakness in these polls and when you talk to voters, they have trouble seeing him in the oval office making a tough decision. he said he can cram and learn about all these new places across the globe, but obviously, in that video, it shows that it's tough to cram and that's the big problem for him here. >> his campaign contends that that clip was taken out of context and that he had only had four hours of sleep. as you point the out, it could be tough to come back from that. cain's support is now dipping to 14%. but this has been very good. you look at newt gingerich's numbers. you figure in the margin of their error and he is essentially the guy who is neck and neck with romney saying well over half of his party is not confident with mitt romney. could he surge ahead of romney? >> he certainly could surge ahead of romney. newt gingerich has had his moment. we've had a number of candidates now who have had their moment in the sun, bachmann, perry, cain and now it's gingerich's turn. what's interesting about the gingerich rise is that his vote seems to come from the tea party wing which has always been uncomfortable and they've also a little bit been coming from romney. as his coalition might be slightly different than all of those other non-romney candidates that came before. but gingerich will have to see if he can hold his place at the top or near the top as the others have had, obviously, problems. >> is there concern about funding when it comes to newt gingerich? we saw the stumbles of his campaign early on. >> that's right. the gig question for -- one of the big questions for newt gingerich is discipline and organization. his organization is still being put together. he said he's had a lot of fund-raising recently as eve come to the top. strategists say there are a lot of newt gingerich lovers in the party who say basically when his campaign seemed to crash on the launching pad, that it was over and now they're coming back to him. he has iowa and south carolina. so he seems to have enough, if he can sustain his campaign in all the other ways he'll need to in this short period where we had less than two months before the iowa caucuses. >> john dickerson, thanks. now to jeff glor at the news desk with a check of the headlines. >> good morning. our news here, a lockdown at the university of north carolina wilmington was lifted this morning. police are still searching the school for a gunman, but classes will go on as scheduled. authorities say an armed ro robber held up four people near the school late last night and ran to campus. students have been told to stay ale alert. congress released a new bill last night that changes president obama's bill to keep school lunches healthier. it calls tomato paste on pizza a vegetable, keeps french fries on the menu and delays the whole grain boost. the nba season could be on the verge of a nuclear winter. the season canceled. those are the words, a dire prediction. players say they plan to disband their union which will send the issue to court. and if you're going to the olympics next year in london, why not stay at the queen's court? the queen is going to rent out rooms in the palace. the price, some new hope this morning for heart attack survivors. using their own stem cells to repair their hearts. we'll take a look at some of the results so far. you're watching the "the early show" on cbs. when you realize that depression has left you nowhere to go. when you've lost interest in everything. when you've had one too many days feeling sad or anxious... aches and pains, fatigue. when it becomes hard to ignore that you need help. that's the day you do something. depression hurts. cymbalta can help with many symptoms of depression. tell your doctor right away if your depression worsens, you have unusual changes in behavior or thoughts of suicide. antidepressants can increase these in children, teens, and young adults. cymbalta is not approved for children under 18. people taking maois or thioridazine or with uncontrolled glaucoma should not take cymbalta. taking it with nsaid pain relievers, aspirin, or blood thinners may increase bleeding risk. severe liver problems, some fatal, were reported. signs include abdominal pain and yellowing of the skin or eyes. talk with your doctor about your medicines, including those for migraine, or if you have high fever, confusion and stiff muscles, to address a possible life-threatening condition. tell your doctor about alcohol use, liver disease, and before you reduce or stop taking cymbalta. dizziness or fainting may occur upon standing. side effects include nausea, dry mouth, and constipation. is today your day? 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suspicion inevitably fall owes israel and israel inevitably dunks comment. although it does have a facility of damaging facilities in iraq in 1991. iran's terror program is back if the headlines because the nuclear agent last reported cited credible evidence that iran's developments were legitimate. >> there is a prestige value in nuclear weapons. you know b, it's part of an entree to a special club. the iranians are proud people and they see nuclear technology as demonstrating their scientific worth. >> at the very least, they are called to increase sanctions on iran and increasing discussion, as well, about what to do if the sanctions alone continue to have effectively zero effect on iranian nuclear ambitions. erica. >> mark philips in london this morning, thanks. joining us now is former assistant secretary of state jamie rubin. good to have you here with us this morning. >> nice to see you. >> israel's defense minister said with the bombings this weekend, he would like to see more explosions there. something like that, an inflammatory comment. then you hear something about this death. do you feel israel is behind this in any way, shape or form? >> there have been some reports in other websites and other reliable sources that the israels are behind it. it's plausible. he's the head of the missile program, the one that was killed. a similar scientist on the nuclear side, the nuclear technologies side was assassina assassinated. and this particular individual who was killed this weekend had the largest security detail apparently of anyone in the country other than the leadership. so it's certainly plausible that this is part of israel's slow but covert effort to delay the danger of iran having a nuclear weapon. >> you mentioned some other publications. time magazine specifically is saying a western intelligence source is how they phrase it has said that massad is behind this and that that source says there are, quote, more bullets in the magazine. >> would this be, though, not only an effective and frankly a smart move for israel to do something like this and to potentially have more bullets in that magazine? >> the problem is, as your correspondent mark philips suggested at the end, sanctions aren't working. they're pretty tough sanctions. they're not as tough as some people would like. some would suggest an oil embargo is necessary. one doesn't expect the world to do that at a time of economic difficulty. so if you look back over the last several years, even as the sanctions have been ratcheted up, there's been no impact on iran's program. they continue to pursue nuclear weapons capability. so if you are not going to be able to stop it for sanctions, the only other way to stop it is a military strike, which has very, very, very serious ze consequences for the region, for the world, for a war in the middle east. if you can delay having to make that decision by these smaller steps, by computer viruses, some have suggested come from israel and perhaps in conjunction with the united states or as these assassinations or other so-called covert programs, that is certainly a better, more pal itble option to governments than having to face this yes or no choice on starting another war in the middle east. >> that was my next question to you. president obama has relied heavily on sanctions which we now just discussed are not working. what is the u.s.'s involvement as we move forward? >> well, president obama has a bit of a problem. on the one hand, the situation on the ground in iran is not getting better. he's promised, like president obama before him, that he will not allow iran to develop and obtain a nuclear weapon. but his policy isn't working. iran continues to get closer and closer and closer. meanwhile, mitt romney, the challenging republican has made clear that if necessary, mitt romney would use military force. that's something president obama has not said. he has not said flat out that he would use military force. the pressure economically is not working. where does that leave president obama? it's a tough spot. obviously, he doesn't want israel to get a nuclear weapon, but like many israelis, former intelligence officials in israel, he's very, very worried about the danger of starting another war in the middle east. >> jamie rubin, thank you. good to talk to you this morning. >> nice to see you. >> jeff glor is over at the next desk with a check off your headlines. good morning again. >> hey, erica, good morning. here in new york city, police cleared the occupy wall street camp early this morning. at least 70 protesters were arrested. police now say demonstrators can return, but without their tents or sleeping bags. jerry sandusky says he's innocent. the former penn state defensive coach spoke out for the first time since he was charged, telling bob costas last night he had not a pedophile. >> i say that i am innocent of those charges. well, i could say that, you know, i have done some of those things. i have horsed around with kids. i have showered after workouts. i -- i have hugged them and i've -- i have touched their legs without intent of sexual contact. >> sandusky has been charged with abusing eight boys. the "new york times" reports close to ten more suspected victims have come forward since the arrest. and severe storms, including a possible tornado ripped through upstate new york yesterday. this is westfield, an hour southwest of buffalo. winds knocked down power lines and some buildings were badly up next, for the first time doctors repair a damaged heart using the patient's own stem cells. >> we'll meet a heart attack victim whose heart is almost as good as new thanks to the new procedure. this is the "the early show" here on cbs. yeeaah, i noticed that, man. inappropriate. naked toilet paper? 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[ buzzer ] [ male announcer ] grabbing the must have nook color for $199 at radioshack. so right. ♪ in this morning's health watch within healing hearts. this morning, researchers are reporting what could be a major break through. cardiac stem cells can repair damage from a heart attack. >> bill whitacre reports on one man whose life has been changed by the new promising treatment. >> so, ken, how are you feeling? >> i feel fantastic. >> when we first met ken millis two years ago, he had suffered a serious heart attack. at age 39, 30% of his heart was damaged. he faced a shortened life with shortness of breath and restricted exertion. >> if someone has had a heart attack and they have seen part of their heart turn into scar, that is irreversible. it's there for life. >> so dr. eduardo marban convinced ken millious to be patient number one in a risky, first of a kind clinical trial. dr. marban used a catheter to snipe bits of healthy tissue from millis's heart. in a laboratory, he coaxed the tissue into manufacturing millions of stem cells, which were then deposited in the damaged area of the heart. millis was one of 25 subjects. the results are now in. >> the subjects who received cells had a dramatically better response than the control subjects. >> all the stem cell recipients had stronger heartbeats and their heart attack scars were reduced on average by almost 50%. damaged muscle was replaced by new, healthy heart tissue. ken millis had better than 50% improvement. >> this is the very first time, in my experience, that we've exceeded our expect ages when we do a human trial. >> reporter: doctors say ken's heart looks almost normal again. >> it's like someone gave me a magic pill. i felt better immediately. >> reporter: these are just the first results of a new study doctors find promising. >> and here with us now, dr. holly philips. always nice to see you. so give us an idea, because it sounds promising, of course, how could this treatment revolutionize the treatment for heart failure? >> well, you know, erica, it can make a dramatic difference. we've never before thought of heart disease as a curable or reversible conditions. the treatment has always focused on minimizing symptoms and make living with heart conditions better. the other thing is, this is the first time cells from the heart have been used to treat the heart. before, we've attempted to treat the heart with stem cells from bone marrow. but this is the first time they actually come from the organ. and so that gives us hope for other possible organs. maybe we can use cells from the kidney to treat the kidney and cells from the liver to treat the liver and so forth. >> so we're loot at about 6 million people in the country that suffer from heart failure. what puts you at risk for this? >> coronary artery disease and heart attack. that causes the voft majority of heart failure symptoms. also, high blood pressure, diabetes and even sleep apnea can contribute. so there are a number of factors that can cause heart failure. but once you have it, it's very serious illness. one in five people diagnosed with heart failure die within a year of diagnosis. >> if you have been diagnosed with that, how can you keep the condition from worsening? >> there are many ways, but probably the single most important thing is to quit smoking. smoking raises your blood pressure and makes your heart bees faster. both of those things stress your heart and can make heart symptoms far worse. that's the one thing you have to do. >> dr. holly, thank you. for more, go to webmd.com and search stem cells. still to come this morning, secrets of the rich and famous. did you know, many get a government handout. >> we're going to tell you how your tax dollars are helping celebrities like bruce springsteen and john bon jovi. this is "the early show" on cbs. . i habe a cohd. and i toog nyguil bud i'm stild stubbed up. 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[ male announcer ] another reason more people stay with state farm. get to a better state. ♪ top of the hour as we welcome you back to he is ets. an in-depth look ahead at people getting help from the government that may not need that help. >> more than $300 million in farm subsidies is paying for rich guys' ranches and estates. some of them money went to men like ted turner and bruce springsteen. these programs are open to just about everyone, regardless of whether you need the money or not. cheryl atkyson will have more on this report in just a couple of minutes. but first, survivors of gun violence will be testifying on capitol hill later today. they're calling on congress for stronger background chucks for gun buyers. it's become an especially hot issue ever since the january shooting in tucson, arizona, that killed six people and wounded congresswoman gabrielle giffords. she spoke about her recovery last night in her first interview on abc news. >> and so you think to yourself, i'll go back to congress if i get better? >> yes, yes, yes. >> and that's where you are right now. >> yes, yes, yes. >> do you ever get angry at what happened to you? >> no, no, no. >> no? >> no. >> life. life. >> joining us this morning from washington, patricia may, she's a survivor of the tucson shooting. she helped tackle the gunman. and it's good to have both of you with us. patricia, we have to get your thoughts there. i know that watching the recovery of congresswoman giffords for so many, especially the people of tucson, has been encouraging in ways that are probably tough to describe. but when you watch her speak at th this. >> she was able to speak that well and after talking to her staffers, i know she's comp hebding she just can't. i am thrilled with the progress she's made. >> mark, even as you're pushing with these stronger measures, the reality of the situation is even these tougher measures when you're after would likely not have kept the gun owes of the hands of the jared loughner. >> we know people under federal law who are felons and who have drug abuse problems are not allowed to get guns and the background system is supposed to stop them. we know jared was not allowed to enlist in the military possibly because of a history of drug abuse. we know he was suspended for community college. under current law, he may or may not have been caught in the background system. but for us, that means we need to take a close look at that system, make sure we fill the gaps in the do not sell database and make sure that every gun sale in this country is subject to a simple background check, which is something that most people agree with. >> a handgun possession around the country is up is in of the most recent number pes.how have you seen support either grow or not since the shooting in tucson since the measures that you're after? >> it's interesting. i think most of the american people are exactly where our are. we have democrats, republicans and independents. all of them agree that you can strongly do more to keep guns out of the wrong hands for the next killer or the next jared loughner. >> if you do have the support, fairly broad support, why is it taking so long to change things? >> well, we're not sure. and part of the reason we're in washington today is to have a very direct conversation with members of congress along with the sufficient virers of gun violence. mayor bloomberg and others who have come to washington to say it's been ten months since tucson.. the solutions are there. we know what they are and what's taking so long. >> patricia, when you make your case to congress today, this is obviously very personal for you. what would you say? >> i'm going to remind them on the people who died, give them information about each person. but mainly, i'm goes to ask them to try to prevent this from happening again by fixing the gun check law, to keep guns out of people's hands that shouldn't have them, a lot of dangerous people, and to make sure that every gun sale has a background check. >> patricia, mark, i appreciate your time this morning. thank you. >> thank you. now over the jeff glor at the news desk with a check of the other headlines for you. jeff. since the first time being charged of abusing boys, jerry sandusky is speaking out. and the scandal may be growing. the "new york times" reports close to ten more suspected victims have come forward. during an interview, sandusky said he's innocent, that he is not sexually attracted to young boys, but that he has made some mistakes. >> i have horsed around with kids. i have showered after workouts. i have hugged them and i've -- i have touched their leg. without intent of sexual contact. >> sandusky is charged with mon molesting eight boys over six years. the white house says it is pleased that the scattered showers is looking at obama's health care law. a tough moment by republican candidate herman cain. cain said he disagreed with president obama on libya, but stumbled on when he tried to say why. >> no, that's a different one. i've got to go back. i've got all this stuff twirling around in my head. >> cain said later he was just trying to gather his thoughts at the time. and a televised political debate in lebanon got slightly out of hand. two prominent politicians discussing the unrest, began trading insults and more. >> that's what it looks like sometimes during the break on our broadcasts, right, guys? >> those are the manl ek moments. >> the tv crew apparently got things back under control. well, the u.s. government is deep in debt. that isn't stopping billions of your tox dollars from going to very wealthy people. >> sharon has more from capitol hill. >> good morning. the first ever compilation of how millionaires are using the social safety net comes from senator tom coburn. he's listed tax benefits and others saying in recent years, $9 billion has gone to those that are far from needy. from tax write-offs for gambling losses, vacation homes and luxury yachts, to subsidies for ranches and estates, billions of your tax dollars are supporting the lifestyles of the rich and famous. the new report from senator tom coburn counts the ways. entitled subsidies of the rich and famous, it says millionaires have received $74 million in unemployed checks in recent years. 360 million in farm subsidies, 9 billion in retirement checks and borrowed $16 billion in government-backed education loans for college. some big celebrities are among the beneficiaries. taxpayer funded farm subsidies for nba star scotty partnershipen and ted turner. superstar bon jovi paid only $100 in property taxes last year on his extensive real estate holdings because he raises bees on it and it's farm subsidies. bruise "the boss" springsteen gets farm subsidies for leasing property to an organic farmer. coburn says an award of prestige can be given to honor and recognize such mega stars, but insists monetary payment is unnecessary and now unaffordable. taxpayer watchdog leslie paige works with citizens against government waste. >> some of these programs are written so badly that, in fact, everybody is eligible for them. and the question has to be and the taxpayers have to answer it, are we okay with that? are we okay with millionaires getting this money. >> even millionaires out of work don't have to spend down their savings as they might. the irs reports in 2009, more than 2000 billionaires collected upwards of $20 million in jobless benefits. >> none of the celebrities we mentioned answered our requests for comment. if ever there was a climate ripe for change, this could be the closest we've come. facing a $15 trillion debt, congress is considering bills now that would deny unemployment benefits to millionaires, cut farm subsidies for the wealthy and also talk about limiting medicare and other entitlements or the rich. >> cheryl, thanks. >> john bon jovi raises bees, who knew. >> who knew? >> up next, hidden bank charges and higher fees that people are not talking about. >> we'll tell you all about those fees and how you can avoid them. you're watching "the early show" on cbs. the best-tasting... sour cream for over four generations. it's made with farm-fresh cream that's 100% natural. no preservatives. and no added hormones. ♪ do-do a dollop of daisy keurig has a wide variety of gourmet coffee and tea to choose from. keurig is the way to brew fresh, delicious coffee in under a minute. way to brew. so with keurig, every cup tastes like it's brewed just for you. because it is. 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[announcer:] conocophillips. ♪ hershey's chocolate syrup. stir up a smile. in an attempt to drive debit card fees has dropped after an uproar. but other fees are flying under the radar. jack is here to help you identify mow to avoid them. let's talk about some of these new fees, first of all, that have been free up until now. >> a good example is bank of america now charges you 5 bucks if you lose your debit card and send you a new one. i think that's reasonable, you lost your card, they're not charging other customers for it, they're charging you. this is an example of covering their costs they used to cover by spreading everyone around to everyone. >> and we see here, too, that td bank is going to charge you to wire money into your own account? >> yeah. that's kind of odd, actually. they're getting more on your assets. you would think they would encourage you. but that's one of them. >> one of the fees the bank is increasing are these minimum fees for checking accounts. >> exactly. that's what banks do. they want money. they're raising the minimum balance you need to avoid the fees. if you're, for instance, doing a thing where maybe you've got an online checking account, you might think about transferring more money into that bricks and mortar bank so you're not charged a fee. you might move everything to the online bank. that's the danger. >> the fees can be hefty, too, for $12 a month now. >> they're going up, too. $2 here, $3 there. jpmorgan and bank of america are at 12. this is in flux. bank of america is testing fees ranging from $6 to $25 around the country. >> it got them to drop that debit card fee. could we see more of that? when people see fees like this being charged, we see it just kind of -- >> i'm trying to say, i extend it on this show, right? the debit card fee might get dropped if enough people protest. obviously, it's a game of what the market will bear. and they try to see how much will they actually pay? so there are things that you can do, for instance, going to a community bank, going to a credit union, go to findacreditunion.com. just about anybody is eligible. you can testify it there and you can use an online bank. they're going to see how many of these customers they lose with these outlets. >> and, of course, the banks say, hey, this isn't our fault. we're getting new fees imposed on us. we have to pass the cost on. you could make the argument, too, maybe we've been too used to getting things for free and now we have to start paying. are either one of those arguments ever going to a work? >> there is some truth to that. if they're mailing you a card, there is some reason they shouldn't pay a cost on that. the implication is the government took away these dastardly things so now we have to make up that money by charging you fees. they weren't in the business of maximizing profits before? >> we don't have enough money, right? >> more importantly, they would have charged these fees if they thought they could have gotten away with them before. now we'll see if they get away from them this time. >> they're taking away this one fee and you've got new regulations. they're now circumventing the situation. >> and there's a community bank in ohio. i think it's called the peoples bank of urbana and they're pay $5 to every customer who uses his debit card in a given month. it's a nice way of thumbing their nose at the big banks and saying, hey, we can still make a dollar. >> nice to see the small guy doing that. just ahead, student housing 2.0. we're going to take you to an area where some college california students are living even a little more than large and it's saying to the housing slump, some of them living better than their parents these days. you're watching "the early show" on cbs. there's only one place that has the new kardashian kollection. apostrophe, uk style by french connection, structure, and bongo... all under one roof. sears has all the styles they love, at prices you'll love. and all the money you save... well, that can be your little secret. right now, get an extra 20% off with your family & friends pass. that's real gifts. real joy. sears. another area of the country, in cleveland, we're about to show you homeowners in california's central valley, in many ways you're going through difficult times.but for some of the kids at nearby university, this is -- talk about the best of times. >> correspondent john blackstone reports. >> they are college student who have given up their dorms or mansions. >> welcome. >> heather shares a five bedroom suburban house in california. >> jacuzzi, swimming pool? >> it's definitely a plus that a lot of students don't have. >> for students at the university of california, living off campus can mean living large at a reasonable price. >> my parents were really happy. >> i'm thinking your parents might come here and say, you're living in a bigger house than we are. yeah, i definitely am. >> and for all this, the students can thank the housing meltdown. >> we're just fortunate that the housing market isn't doing so well. >> the students provide a bright spot in mercet. places like this show the other side of a troubled real estate market, a planned subdivision with sidewalks and sushs in place. but after the bubble burst, the houses were never built. many houses that were built here are empty. ver say has one of the highest foreclosure rates in the country. but for students, that means a big choice of low cost rentals. five girls each get their own room for about $400 a month. on campus, dorm rooms cost $500 a month and you have to share. >> in a room like this on campus could be three people living in there. >> yeah. >> yikes. >> i'm very fortunate that i have my own space and i enjoy the privacy. it's lacking in the dorms. >> we're not the only mansion in town. i believe we're the biggest, though. >> sharon shares a 4500 square foot ranch house with a half dozen undergrads. there's one room for music, another for table tennis. and outside a football field the size of a football field. they pity their classmates in the dorms. >> you don't have to study economics to know the upside of a downed economy. john blackstone, cbs news, mercet, california. >> do you think there's a beer bong in there? >> i don't know. >> they just study. good kadz taking care of that house. it's a pretty good setup, if you think bit. the dorm room i had when i went to college, not that great. >> good stuff. my first apartment, we had mice. it was awesome. still ahead this morning, welcome back to "the early show" pap great fall morning here in new york city. look at those trees. >> they almost look real. >> can we go back and check that picture one last time? >> we'll be right back. >> i'm chris wragge along with erica him. you've got a couple of those, right? >> one. >> those shoes are considered the ultimate in sophisticated fashion, but it turns out that the guys who run the company, erica, they're choicy. they own and operate their own dairy farm about two hours from new york city. >> are you trying to work in that cheesy lie? >> and we're going to take you there to see how the cows toe the line. also, there's a very serious message saying we all need to understand each other, need to have a good laugh together. you'll need three comics, three different fates for working together on a comedy tour trying to make get that dialogue and the laughs are going. >> yeah. because religion can be hilarious. >> leave that to them. but first, we begin with a new searry these morning with a focus on the american spirit. we're going to introduce you to leaders & helping the community move forward. >> our first stop here is where main street is once again, for the first time in years, filled with hope. >> like many once thriving towns, wheaton, missouri, is filled with storefronts. >> this building, i don't remember what it was. >> but, perhaps, the biggest void came -- >> these two buildings, at one time, they were both grocery stores. >> when the town's last grocery store closed up shop more than ten years ago. suddenly, residents were a half hour away. mary jane and bobby seymour decided to do something and the bulldog express was born. owned and operated by the school and staffed by students, the nearly 4-year-old grocery store is now a downtown leetown express story. >> you're always busy, you're always moving around cleaning. >> april, can you fix this shelf? >> taking inventory and rubbing cash register. >> we have hamburger, sausage, we have prepackaged kolt cold cuts, eggs, bacon, dairy. of course, the soda and the candy, a lot of canned goods. >> the store stocks staples, things you can use to whip up a quick dinner. >> we are implementing a deli, full fledged sandwiches. >> they indicacater lunches and deliver to seniors. >> if you need something, it's handy, real handy. >> it isn't a major moneymaker. the stipend teachers receive to run the store barely covered their operating costs. and learning to run the store has its own challenges. >> the first year, we were very excited, but we had no idea what we were doing. like we had to have an egg license. we had no clue we had to have an egg license. >> still, the rewards are und y undeniable. >> the students work at the store and use their paycheck to put back into the center. they see value in everything that they do. whether it's monetary or whether it's with the community or the parents or their friends. >> reporter: and there is something less tangible but perhaps far more valuable. >> it is bringing the community back together, giving the community hope. >> hope that the bulldog express may be the beginning of leetown's future. in case you're wondering whether the bulldog express is named after their school. now that it's up and running, the school has a plan to open the deli next door, the feeling hopefully once you get these businesses going, one business will attract another and will attract another. >> it's nice to bring good news. we're going to continue to do that for you. but first, before we get to that, just glorious morning. 35 minutes past the hour. look at the headlines. >> i try to. let's get going right now. in our news here this morning, early this morning, police cleared the occupy wall street camp in new york city. at least 70 protesters were arrested. hundreds left the park to rally elsewhere. the camp was set up two months ago, as you know. it triggered similar protests around the world. this morning, the mayor of new york city, mike bloomberg, just said safety was an issue. >> from the beginning, i've said that the industry has two principle goals, guaranteeing public health and safety and guaranteeing the protesters' first amendment rights. but when those two goals clash, the health and safety of the public and our first responders must be the priority. >> demonstrators have been told they can return, but without their tents and sleeping bag ba. they can't stay overnight. in san jose, california, the owner of a minivan apparently bought it fully load. in this case, loaded with half a million kilos of cocaine. police impounded the vehicle. the owner who was not a suspect bought it from a rental company and they have agreed to replace the van. and a 9-year-old girl is recovering in north carolina after surviving two days trapped in a wreckage of the family car. jordan landen and her father were seen shopping last week. they drove away, then, only to crash into a ditch at 100 miles per hour. doug landen was killed, but jordan survived. >> she did have a coat. but it's still pretty dramatic for a 9-year-old to go through. >> the crushed car wasn't found until late sunday. jordan survived on pop tarts and gatorade purchased at a well, there's a dairy farm in southern new england that caught our attention recently not because of the cows, but because of the shoes. >> not is shoes the cows are wearing, just to clarify. it's a surprising story of fashionable men behind milk. >> on a snowy connecticut hillside, thawing out from an autumn nor'easter sits a beautiful dairy farm run by two men you least expect. george malcom and tony urgeidis are dairy farmers every thursday through sunday. but every other day of the week, you can find them here in new york city running the high end couture shoe company. george and tony have been president and vice president of minolo blonic for more than 30 years. over the course of their tenure, they've hobnobbed with female celebrities, sold countless pairs of $800 sa letos and built a brand every fashion forward longs for. >> mary jane, i thought these were an urban shoe. >> but their love of high heels is comparative only to their love heiffers. just like their customers, every cow is treated like a lady. >> when a woman walks in with a pair of shoes and everyone says how fabulous she looks, it's the same with the kalths. >> in 1998, the partners in business and in life bought a defect dairy farm across their their home in connecticut. their goal, save it from developers and restore it to a fully functioning farm. >> they disappeared all across the country. part of the love that we have is the preservation of land and the preservation of farmland in particular. >> they employ more than 25 full time plowees to do everything from milking to bottling to scooping. it's a small business that's had a big impact on the local economy. >> george and tony have led by example every step of the way. they've given back to this community much more than they've taken from this community. >> last year, they chose to open their dairy in an abandon fire station on the main street of sleepy bantam, connecticut, far away from new york city. >> you run a major shoe company. couldn't you have done something about this design? >> i love it. don't you like the color? >> it's a great taste in italian cashmere. george and towny are true dairy farmers every step of the way. >> they're not here all the time. when they're here, they're working. >> i come alive. i love it here. >> admittedly, these are going to do the real dirty work. tony fancies the cheese man. >> this is a guda. >> while george takes pride in his perfect waffle cone. >> i have a tendency to make the biggest waffle cone so the customer really gets their money's worth when they go to george. >> and their employees couldn't be happier. >> i'm very proud to say that i worked for the farm dairy and anyone who works here, we're a family. >> in addition to providing lifetime careers to local towns people, george and towny are providing for the next generation. a recent tebt sale of their gorgeous shoes raised $100,000 for scholarships that will send a child of a local farmer to agricultural school. >> we have been very blessed in our lives with our partnership and with our business. and now with the farm. i think it's all about giving back. >> so whether farmer or fashionist ya, george and tony have a certain flare for the rich and impeccable taste. michelle miller, cbs news, lynchfield, connecticut. >> that's an unlikely combination there. if you buy those shoes, just don't wear them to the farm. >> i think we need to plan a field trip. >> how about we move on now to eragon. he was only 15 years old when he wrote the novel that made him the global literary superstar he is today. he's now sold 25 million copies worldwide. chris, thanks for joining me. >> thanks for having me. >> i started writing it when i was 15 and it's been a long journey. >> and you're 19 now. this is incredible. how does one start something like this that young? how did you know you were on to something? >> i didn't at first. i thought nobody but my family was going to read the book. starting out, i wanted to write the kind of story i would enjoy reading myself. and it snowballed from there. >> i'm sure that millions of people agree with you on that. so your new book, "inheritance" came out last week, right? 500,000 copies on day one. that's the record for 2011 thus far. >> it is. >> that must feel pretty good. has all of this sunk in for you? it hasn't been that long that you started on this journey and what a journey it's been. >> no. pretty much every day i'm pinching myself and saying, is this really happening? and it really is just an incredibly grateful and humble that so many people around the world have enjoyed the series. and that's allowed me to do what i love to do which is telling stories. >> when you started this out, when you started with eragon at a 15, did you envision the story going to where it has now in this? >> yeah. actually, before i started the first book, eragon, i plotted out the whole series from start to finish. so even though i've been working on this for 11 years now, i've always known where the end of the story was going to be and where readers were going to end up. it's really exciting for me to now have the final book out and finally see what i've always known and enjoy it. >> it is amazing. it's supposed to be a trilogy but this is the fourth book. is that why you're a writer, because you're not good with numbers? >> no. the last book ended up being almost 2,000 pages long, so we had to split it. >> inheritance is the largest of the books. how do us to the people who bought more? could you potentially bring out another one? >> oh, i think i'll definitely rern to the world of eragon at some point. but before i do that, i think i'll maybe trying writing some other stories first. >> different genre? >> science fiction or mystery thriller, horror, romance. >> what do you read yourself these days? >> lots of every genre. i mean, i enjoy pretty much every book i can get my hands on. >> any real favorites? >> i can't lie. fantasy. i have a couple of door stoppers in my luggage at the moment. >> when you get feedback, it comment from literally every age group. is there anything that sticks out to you in the letters that you get? >> some of the stories have been amazing. and you're right, the readers of all ages, younger readers to the parents, even the grandparents. i've heard from a couple of families that have actually named some of their children after characters in the books, which is amazing. you know, lots of letters from people saying that it was these books which got them into reading which i think is amazing. and even some letters from some people who have, you know, made dragon sculptures and put them in their rooms because of the book, stuff like that. it's fun seeing the reactions from the fans. >> have you had some people come up in stroller saying, this is baby eragon? >> yes, i have. and that is such an honor. >> what about having a movie made out of eragon? >> it was surreal to sit there and watch the actors saying lines that i wrote back when i was 15. it was really need. >> well, you're a superstar. good to have you here with us this morning. >> and good luck. we know there's more to come. >> thank you. and i hope people enjoy the end of the series. >> it's in bookstores now, "inheritance. . >> just ahead, a single standup comic. doesn't matter hey! you want that? you want a warm, super-delicious strawberry toaster strudel yeah but now i have nothing to eat sure you do. hey! you can have the pop tart! pillsbury toaster strudel. the one kids want to eat mom, we're dying. no you're not, you're just hungry. make some totino's pizza rolls. we don't have any! front... left, totino's. [ male announcer ] well done mom! less drama, more fun! totino's pizza rolls. all right. so follow along with me here. a rabbi and a muslim walk on to a stage. sounds like a perfect set up for a joke, but actually, it describes the last in peace comedy tour. >> these three comics are helping you spread a larger message of healing and understanding. we thought we would let them tell their story in their own words. >> heading down to atlanta, what do you do? >> i see i'm a stand-up comic. i'm a rabbi and a full time stand-up comic. i have a joke for you, but you have to be real careful who you tell it to. there's these two jews, you see. >> you can always count on the theology of the southern baptist to be short and sweet. i'm the senior pastor of the southern baptist church and a standup comedian. like their idea of heaven, you ain't southern baptist and you ain't -- >> in america, you have to come up with a pronounceation trick. i'm a stand-up comic. my name is uzzer, it's like buzzer without the b. and then they go oozer? >> i wanted to bring humor into the church to change the name of the church to make it a play of faith and hope, not judgment and shame. >> it's a little nervous. he walks out, the first thing i do, of course, is frisk him. >> so people need something that relaxes people. >> there's always this layers of, you know, people's fears. and then exposing to them the ir ragzlty of this. >> do muslims laugh? no. but it's our -- of faith. they're human beings. >> i think there is this palpable of religious people are not getting along in the world. religions aren't fighting. we're living in this horrible time and there are rivets and they're out to get us and they look like me. there's this energy and this thing that's constantly put out there and it's a cultural fear. >> when people start laughing together, there's something we share in common. religion has created barriers instead of bridges. i think part of our bottom line is to create that bridge. >> it's semantic and ant anti-semantic language. >> you look out, you see the young women in the audience and the young men sitting out there and it's pure joy. because can interact with each other in a way that's so much safer. and people start liking each other, they start respecting their differences equally well. >> if we bring farce, we're really funny. i feel like we do this kind of double mitpah because we give them a great show, they're entertained, and there's all this other stuff we're talking about, which is love and peace and it's warm and fuzzy. >> terrible things happen, my son became a christian. the second man says, funny you should mention it. my son, too. what should we do? let's talk to god. they go to god. god says, funny you should mention it. my son, too. >> that's cute. >> it was. i thought it was very funny when he said he got introduced on the stage by the rabbi, he got frisked it. it doesn't lighten the crowd. >> that's the beauty of comedy, anything that you're uncomfortable talking about, putting it out there with a little humor does start to take barriers. >> all right. have a great day. that's "the early show" for today. we'll see you back here tomorrow. have a great day. your local news is coming up at bank of america, we're lending and investing in the people and communities who call greater washington, d.c. home. from supporting an organization that helps new citizens find their way... to proudly supporting our washington redskins... and partnering with a school that brings academic excellence to the anacostia community. because the more we do in greater washington, d.c., the more we help make opportunity possible. [ zapping ] there goes dwayne's car. oh, man. there goes dwayne's house. whoa! whoa! and there goes dwayne. man, that thing does not like dwayne. [ male announcer ] state farm's got you covered. nice landing. it was. [ male announcer ] get to a better state.