here, about the osama bin laden file, hundreds of pages of documents seized in the raid that killed him one year ago released by the u.s. government. now another dead terrorist is speaking from the grave. the yemen based militant died last fall in a drone strike, but his group has published new irn constructions and among other things they're telling followers to set fire to america. set fire. these new instructions include guidance on how to create a so-called ember bomb to ignite wildfires. want to go straight to irvine, california, bob formerly of the cia. good to see you again. this is something we hadn't heard, the idea of using wildfires as weapons of terror. question to you, is this a new idea? is this something law enforcement has considered? >> they have considered it, of course. arson is a very effective weapon. it is easy to light places on fire and attack at several places. you don't have to procure explosives. the rest of it, it doesn't surprise me. al qaeda is desperate to strike back. it has been a year since osama bin laden was assassinated. they do want to hit, and they intend to, and they will use any weapon they can get their hands on. >> just to follow up, if you say this is something certainly they have i want i don't want to say anticipated but thought about, also something they're prepared to prevent? >> i think so. i think we have to look at al qaeda, the problem for the fbi in this country is that they simply put their instructions out on the web and they tell people what sort of weapons to get and accelerants and things like that and they just have to follow the orders. you don't actually have to be in touch with these people. you don't have to call on a cell phone or e-mail them. you say, hey, you go out and do this and in a disbursed movement like this it is very difficult to kill. >> something else, bob, published in the magazine today by the followers, a reason from al aci himself saying it is a okay to attack women and children in the cause of jihad and says they shouldn't be targets per se but if they happen to be in the way, it is allowed for muslims to attack them. the thing is here, bob, in the letters here, the letters from the osama bin laden letters seem to say the opposite. he is telling his troops be careful about collateral damage so when you look at the two opposite ends of the spectrum, it seems like they were at odds, these two leaders. >> brooke, you're right. it is ironic that osama bin laden himself was trying to contain the violence, trying to get away from slaughter. he knew it was counter productive. he couldn't get control over various franchises like in yemen or mali or other places like that. you know, it has been counter productive for islamic militants to go after indiscriminate atly women and children and buildings and the rest of it an i think the best news of this, it is this kind of random violence which will ultimately destroy this movement, how long, i don't know. >> you have looked through these documents, these bin laden documents released today. what is your biggest take away? >> oh, i think that how isolated bin laden was, that after 9/11 he was not only on the run but people weren't listening to him. they were going off in different directions. >> why do you think that was? >> i think he never had that much control over the movement. you have to look at 9/11 as pretty much as a pickup team that took on the professionals and got lucky. after that, they didn't really have an important attack except madrid and london and those were easy targets and after that the movement very much fell apart, and i think the fact that they haven't been able to strike since london and madrid has just under cut the attraction of this and ultimately these people are seen to be psychopaths that don't help islam or anything. they have gained nothing at all. >> well, al alack i gone, appreciate it. a lot more in the next hour. watch. never telling me. why? >> someone close to junior seau says he may have been lost, unsure about life after football. i am brooke baldwin. the news is now. ls d, mushrooms, drugs of the 60s returning not in the club but in the hospital room. >> i am just sort of passing through here. >> plus disturbing new numbers show america's taking a lot longer to retire. ben stein tells me his thoughts live. on my journey across america, i found new ways to tell people about saving money. this is bobby. say hello bobby. hello bobby. do you know you could save hundreds on car insurance over the phone, online or at your local geico office? tell us bobby, what would you do with all those savings? hire a better ventriloquist. your lips are moving. geico®. fifteen minutes could save you fifteen percent or more on car insurance. ♪ ♪ ♪ ♪ i tell you what i can spend. i do my best to make it work. i'm back on the road safely. and i saved you money on brakes. that's personal pricing. on the case today what happened to the san diego college student brings a whole new meaning to the term wrongful imprisonment. they admit the agents accidently left daniel chung in a cell for nearly five days. he says he was handcuffed, no food, no water, actually had to drink his own urine and tried to commit suicide. agents say they picked up the young man during a raid where they took in eight others as well and found ecstasy pills, pot, ammo and guns and still no explanation of how how they overlooked the engineering student being held for so long. >> he screamed hundreds of times for help. he began to dig into the walls thinking that he could get water that way. >> i had to do what i had to do to survive, you know. i cycled through my own urine. >> chung has now filed a claim against the federal government for $20 million. joey jackson, a defense attorney on the case with us today and 20 million? i am guessing is he going to get that, no. >> that would be my answer, brooke. whenever there is a suit against the federal government, first of all, it is tough. we heard the expression it is tough to fight city hall. work that is way with the federal government also. although you can sue under limited circumstances and there is something called the federal torts claim act and under that act you can sue and what you first have to do is what he did, that you file a claim against the entity, the dea, drug enforcement administration. they as an agency have six months to evaluate the claim and the reason $20 million there is federal rules require you to put a specific dollar amount. so that sort of is just a starting point. what i do believe since the facts are uncontested and they are egregious is the agency will evaluate it and they already issued an apology. we have a united states senator saying i want an investigation, and i want policies changed and they will probably admit to this and come up with settlement amount and therefore the case will go away and it won't reach a lawsuit. that's my opinion. >> hang on. hang on. they say i extend my deepest apologies to the young man and personally ordered, the he had had of the san diego office, an extensive review of policies and procedure there is and use the word apologize. how does that play into this moving forward? >> i think how it plays is they're going to admit liability they're. here going to admit this was an accident and accidently they left him in a cold window less cell dark for five days and managed to get substance in there, i think methamphetamine, he was hallucinating, ate his glasses, tried to kill himself and i think they will add many it to much of the facts and i think they will move to finding a figure acceptable to the dea, the federal government, and acceptable to the poor 23-year-old that had to endure it and more importantly acceptable to his attorney. >> okay. let's move to new jersey, the case of this mother charged w h with en dangers a child. apparently she likes to tan. however, she is disputing police claims that she let her daughter inside a tanning booth and got burned and the girl is six years old. look at this. there aren't words. here are her own words explaining why she says police are wrong. >> there is no room, a. b, i would never permit it. c, it didn't happen. >> okay. her looks aside, her looks aside, joey, how do prosecutors prove this? >> well, with great difficulty. here is why i say this. first of all, the facts are in dispute. she certainly is not admitting anything to the if ekt and saying the opposite and then you move to who else can testify, a child, right, a five-year-old and i don't think the child will be competent enough to testify in a rt ko of law of course and in the event if the child did certainly a traumatic experience and the judge won't let her and you have the tanning salon and if they admit to this they face liability so what do you have, brooke, no witnesses, and so it is going to be a difficult case, i think, moving forward unless of course there are surveillance cameras or other mechanisms in the tanning salon that can demonstrate she snuck her into the tanning booth. >> what about the tanning salon itself, could they be held liable. >> i think what we're going to see is something administrative liability. i think they'll get a knock on the door from in jersey authorities that say what kind of regulations are employed here? what kind of supervision mechanisms do you have? do you look and see when customers are coming if they have children and do you have a waiting area? are they allowed to take them in? i think they will be investigated and some administrative penalty or remedy they have to endure. i doubt they get dragged into a court for any monetary damages. >> let me say i had basal cell skin cancer right here last year where a band-aid smack dab in the middle of my face doing the news for a week last year. don't do this. that's my little thing for the day. it is just not smart. wear your spf. thank you. not attractive. in a place where some young men consider rapists 14 is accuse of gang raping a 14-year-old girl are out of jail for $67. as billy graham struggles with his elt had, he is coming out here against same sex marriage and just before voters take up the matter you're about to hear from him. ]h(éq# 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 fifty thousand dollars. congratulations you are our one millionth customer. people don't like to miss out on money that should have been theirs. that's why at ally we have the raise your rate 2-year cd. you can get a one-time rate increase if our two-year rate goes up. if your bank makes you miss out, you need an ally. ally bank. no nonsense. just people sense. time for the help desk with answers to your financial questions. greg olson is a certified financial planner and partner and lynnette is the founder of the financial advice blog ask the money coach.com. thanks for being here. greg, first question to you from atlanta. i purchased my home 20 months ago and currently have a 30 year fixed loan at 4.475%. should i consider refinancing? >> you should consider it. recent drop in interest rates might make that be a smart idea. the first thing you should do is look to maybe do a modification with your bank because that would not least expensive option. >> right. >> should that not be available, look to do a refinance. calculate the refinancing costs and see how long the savings on a monthly basis will take you to recoup the refinancing. >> you have to think about the up front costs, absolutely. thank you. lynette, your question from phil in colorado. phil wrote in i am 69 years old and have a large portion of my savings invested in mutual funds. how should i allocate many i assets. >> tough to give specific advice object us yusly without knowing the full fm picture. i would say two things, 69 and thinking about investment strategy, too often i think older people retirees go a little too conservative 6789 obviously they want to preserve principle. you have to think about the fact we're living longer than ever. you could live potentially decades in retirement, so you want to think about being broadly diversified and have some growth though to power your portfolio and so don't think it has to be cds or money market accounts, very conservative fixed income investments exclusively. make sure you have a mix of stocks in there swm, stocks, bonds, cash, obviously you have to get the right asset allocation and the right mix and a professional will sit down to ultimately review your entire situation. >> thank you both. if you have questions you want answered send us an e-mail any time. new development in the videotaped gang rape that shocked south africa. earlier today four under aged teens accused of raping a mentally disabled girl were let out of jail on bail and the amount of the bail, $67 each. this is a crime that is filling the streets of johannesburg with demonstrators calling for life sentence for the accused. the four bailed out today are among these eight men and boys charged in the kidnapping and rape here. images of the repeated assaults were captured on cell phone and passed around from one to another to another and the video went viral, and a mom discovered the images of her daughter's phone and called police. a lot more to bring you now. rapid fire, roll it. the mother of florida a&m university band member robert champion says authorities botched the investigation into the hazing that killed their son. pam champion is disappointed the 13 suspects in the case aren't facing more serious charges. she wants the marching band disbanded for the next year and says they need to clean house. >> if you don't clean the filth out, it just stays there. right now you can't move forward with business as usual because the filth is still there. we need it cleepd out in order for you to move forward. the reverend billy graham gives his support to a constitutional amendment banning gay marriage in north carolina. the 93-year-old says the bible is clear, god's definition of marriage is between a man and a woman, end kwoed. the proposed amendment is on next tuesday's primary ballot and would also ban civil unions and domestic partnerships. watch where you walk in wind mere, florida, and that's why. the family of six forced out of their home by a gigantic sink hole. it is so huge it swallowed four trees. in terms of how big, it is 100 feet in diameter, 50 feet deep, and the hole is still growing. look at this. neighbors have been warned it could threaten their homes as well. former republican presidential candidate michelle bachman throwing they are support behind mitt romney today. >> you see, i think for all of america this is a very simple proposition this november. president barack obama, president mitt romney. you decide. very easy. >> bachman endorsed romney this afternoon as the two appeared at a campaign event in virginia. hillary clinton, timothy geithner and other u.s. diplomats are walking a fine line in china as a blind activist declines protection and we will ask why this activist suddenly is changing his mind and there is something big happening this saturday night. it is round, it is bright, it is the super moon. we're going to tell you what to expect. ♪ recently, students from 31 countries took part in a science test. the top academic performers surprised some people. so did the country that came in 17th place. let's raise the bar and elevate our academic standards. let's do what's best for our students-by investing in our teachers. let's solve this. sorry. sore knee. blast of cold feels nice. why don't you use bengay zero degrees? 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[ sigh of relief ] [ short breath ] [ longer breath ] [ short breath ] [ male announcer ] new bengay zero degrees. freeze and move on. get me out of here pleads a chinese activist to the u.s. and ugly secrets from john edwards inner circumstancel and what's that you say happening in the sky this weekend? time for reporter roulette and begin with joe johns where another of john edwards former aids took the stand in his campaign finance fraud trial. hey, joe. >> brooke, john davis was the close e staffer to former senator john edwards all the way up to the point in january 2008 when he suspended his presidential campaign. davis recounted a moment at the westin south field after he was told reel hunter traveled with edwards to record web videoses about edwards had come to an end. he said he was surprised to meet hunter after weeks of not seeing her and got off an elevator with hunter and got onto another one and continued to his hotel room on the same floor where edwards was staying. davis said he called his wife to tell her what happened and when there was a knock on the door and it was rielle hunter. she told him she and senator edwards were in love and edwards was concerned that he, davis, had seen hunter in the hotel. davis said he didn't care because he was focused on the campaign and later he spoke to edwards and ed washds asked if he had run into her. he told davis that rielle hunter was crazy and denied there was an affair. yesterday one of the most intensely emotional parts of the trial came when a former research direct for for john edwards and a friend of the late elizabeth edwards testified that mrs. edwards came so distraught following a "national enquirer" story about the affair she started tearing off her clothes in front of john edwards and all the while saying you don't see me anymore. edwards' daughter kate seated behind the former senator walked out of the courtroom and was seen wiping away tears. the prosecution is trying to show that edwards accepted illegal campaign money to try to cover up the affair and the defense says all edwards was doing was trying to keep information about the affair away from his wife. brooke. >> thank you. next reynolds wolf here as we're talking about the moon beams so big this weekend. it is the super moon. >> the super moon. >> i want to say that look i am talking about superman. >> why wouldn't you? take a look. see the shot over my shoulder. how about it? super moon, 14% big certificate how it appears to the human eye according to others and opposite other times. year because this orbit brings it closer to earth than any other time of the year and last time it happened was march 19, 2011, and there are people that say it makes things kind of weird around the planet and makes fish swim backwards and leaves fall back on the trees and all kinds of crazy stuff and the thing we do know is it does affect the tides. there is speculation it may have affected the titanic when it sank back in 1912. >> really? >> to be honest with you i think an iceberg had more to do with it. >> i think it is the iceberg. whatever. this picture, it is beautiful. how come in some of the pictures it is brighter, more orange, depending on where you are? >> the reason why it appears more of a bright orange color like this from last year, a spectacular picture, because of all the particulates in the atmosphere. it can be seen better lower in the horizon. as it goes up it has less to filter it and appears smaller and brighter and also more fun to watch lower in the atmosphere. >> i will be in the mountains so i will have a bigger super moon. >> you may have a great view really. bring your cam are. >> i will. i hope all of you send us tweets and mib we will get them monday. next on reporter roulette talk about to stan grant in bejing talking about chen guangcheng. you spoke to him in the last hour or so. what's it is update today? >> just touched base and now of course he is holed up in this hospital here in bejing getting very much needed medical treatment. of course he has been ill for