ebola exposing cracks in the world's most expensive health care system. >> something went wrong in that hospital. >> a second health care worker infected with ebola. nurses saying they aren't getting the training they need. >> stop pointing fingers and fix the problem. >> is it a question of resources? federal funding for hospital preparedness has been cut in half since 2003. some members of congress calling for millions more to be spent. >> today it's ebola, tomorrow it will be something else, unless we make the right investments. >> the president says there will be no outbreak in america. >> the dangers of a serious outbreak are extraordinarily low. >> that as the epidemic in west africa spreads. >> we will go over 9,000 cases this week. >> private donors are stepping up, but as fear grows, so will the financial damage. is ebola's economic toll just beginning? dr. mccormack is with the texas

school of public health. he worked for the cdc, in 1976, when it investigated the first ebola epidemic in central africa. thank you so much for joining me, dr. mccormack. i want to ask you, point-blank, is this a lack of funding for hospital preparedness, or is this just a culture that we're not ready here, yet, to deal with this? >> christine, i think this is an issue of culture and preparedness and far less about funding. let me give you an example. i think that in terms of hospital infections, the united states has one of the lowest levels of hospital infection rates in the world, among developed countries. and yet, i think what happened was, many people thought was, okay, we have a great job with hospital infections, we're ready for handing ebola. i think that may be part of the issue at presbyterian. and unfortunately, handling a viral illness like this is totally different. and i think that may have played a role. >> although, there are plenty of

people who say, we still have too many hospital infections. we still don't do a good enough job of just washing hands for doctors and nurses. that's still, you know, i think we saw 99,000 people, have a health care-acquired infection every year. but this is ebola. this is different. this is something that has to be handled very carefully and appropriately, immediately. there can be no mistakes. the two nurses infected in dallas have been moved to a specialized biocontainment unit. one in georgia, one in maryland. there are some four facilities like this in the country. do we need to scale up on that? >> i don't think so. because i think what that means is, we're trying to replace good old-fashioned competence and training with technology, and i don't think that's going to work. >> so competence and training, what do we need to do, then? if we don't need to spend more money or build more biocontainment units? clearly, webinars and websites with protocols isn't working. >> yeah, we have to first of all have the correct protocol, and

it wasn't there. secondly, this is the kind of training that means hands-on, and it means that the health care workers have to buy into the protocol. it's not enough to give a webinar or a youtube video. you simply have to have boots on the ground training, it has to be a group, in my opinion, that is dedicated to this, and they're going to be the go-to group wherever there's a suspect case. you have to have a protocol ready for when somebody walks in the door of your emergency room, all the way to the time when you're finished. >> really interesting. dr. mccormack, so nice to see you, interesting that it's not necessarily just more money that's needed, but we need to change the culture and have different training. not necessarily more technology. thank you, sir, for joining us. i want to bring in "cnn money's" cristina alesci. she joins me now. let's talk about the cost of this, let's talk about the response to the ebola crisis, in africa in particular. private donors are starting to step in here. interesting. tell me about that. >> starting. the bill and melinda gates

foundation as well as mark zuckerberg pledged to this effort $50 million from bill and melinda gates alone, $25 million from mark zuckerberg. some of that is going to aid organizations, some is going to the u.s. government organizations and units like the cdc. now, private sector donations are not enough, clearly. the u.n. said that it needs about $1 billion in a fund to go ahead and get ahead of the curve. >> we are not there. >> we are totally not there. you're talking about $20 million in pledges and the fund itself only has $100,000 in cash. now, clearly, there's money going to other organizations, but the u.n., it's clearly indicative of a shortfall. >> let's talk about the industries affected. interesting that the chocolate industry is actually affected by ebola, because it operates in these countries. it's a $67 billion business. 26 global companies collectively donating $600,000. wait a minute. look at the profit number, look at the revenue number, look at what they're donating. could they do more? >> absolutely, they could do

more. 70% of the world's supply of cocoa beans actually comes from west africa. so you would think, if anybody has skin in the game, these guys have skin in the game. now, granted, the high-producing countries are not the once that are actually affected, but they are neighboring them. like the ivory coast, right next door to liberia. so you would think that the chocolate companies would want to protect themselves. >> right. >> in fact, the ivory coast is so exposed that the cdc is actually sending staff down there to test its preparedness. so it may not be in the country, but people are concerned that it could spread there. and look, you talk about $10 billion in profits. mars alone, one of the biggest manufacturers of chocolate, number one in market share, only gave $100,000. >> that is interesting and maybe a little bit of a wake-up call for corporate responsibility. thank you so much, cristina alesci, have a great weekend. coming up, another week and another wild ride on wall street. why you should not panic, next.

but when we start worrying about tomorrow, we miss out on the things that matter today. ♪ at axa, we offer advice and help you break down your insurance goals into small, manageable steps. because when you plan for tomorrow, it helps you live for today. can we help you take a small step? for advice, retirement, and life insurance, connect with axa. a wake-up call. but it's not happening out there. it's happening in here. [ sirens wailing ] inside of you. even if you're treating your crohn's disease or ulcerative colitis, an occasional flare may be a sign of damaging inflammation. learn more about the role damaging inflammation may be playing in your symptoms with the expert advice tool at crohnsandcolitis.com. and then speak with your gastroenterologist.

[ male announcer ] when you see everyone in america almost every day, you notice a few things. like the fact that you're pretty attached to these. ok, really attached. and that's alright. because we'll text you when your package is on the way. we're even expanding sunday package delivery. yes, sunday. at the u.s. postal service, our priority is...was... and always will be...you.

you can hook up the whole family for a $100 a month. our priority is...was... get 4 lines with unlimited talk, text, and up to 10 gigabytes of 4g lte data. and now the next big thing is here. get the hottest device for everybody in the family for $0 down. ...so you can switch today.

so, you know, october has a pretty bad wrap when it comes to the stock market and so far this month, it's living up to its bad reputation. our cnn panel is here. okay, guys. another volatile week on wall street. we're talking about 400-point swing on the dow. paul, is there more selling or are there bargains here? >> i think there are definitely bargains going forward, but that doesn't mean that the worst is over. we could still have another steep sell-off, because a lot of people are worried about

europe's economy, ebola's a big wild card, but there are quality companies trading for a lot less money than they used to that have probably been oversold. >> i agree. now, i think that the u.s. is still in some ways the prettiest house on the ugly block, right? it doesn't feel that great here, but if you look at europe about ready to tip into recession, asia slowing down, china really having a debt crisis of its own right now, i think that we're going to see a lot more volatility, but i think that people will have a few better places to park their money ultimately than u.s. equities. >> every time we've had to have a pullback in the last two years of 10%, we haven't had it in the s&p 500. the nasdaq had a full 10% correction and bounced right back, samuel. >> and there are lots of opportunities because of what you're saying. i was covering netflix and google this week, netflix down 26%. but just a few hours later, back up 7%. wish i would have gone in. google down 5% at one point. an hour later, back up 4%. >> but raise your hand, we shouldn't be surprised the market is going down. it's not unpredictable here. all of these factors are well

known. does the fed do anything or get out of -- >> not -- >> i hope not too. the rally that we saw on thursday at the end of the day, a lot of it was due to one fed member hinting that maybe qe lasts a little bit longer. >> and a decent jobs number. the american economy, it's not doing so bad. >> but the economy is weakening, don't you think? >> they've already put $4 trillion into the economy since the financial crisis. we know that's created some bubbles. and you know, we know that it's not doing much more for the real economy to put more money in it. >> lots for us to talk about, lots for us to watch. if stocks are dropping, so are oil prices. oil down 25% from the peak this summer. i think it's fair to say, oil prices have plunged since june. the national average for a gallon of regular gas, down more than 20 cents in the last fur weeks. and gas buddy tells us that parts of the western u.s. and the rocky mountain states could see another drop of 15 to 30 cents a gallon. the energy department says heating bills will also be lower this year. what's driving this decline?

is it only production in the u.s. up and worries about global demand? >> it's two things. production in the u.s. is up, because of the shale boom, but also, china is slowing down. that's a big part of this. for the last year, china has been the single largest energy consumer in the world. when they slow down, the price of oil drops. >> for every one cent that gas drops in the united states, that's $1.4 billion that americans have to spend on something else. and that's coming right -- >> it's like a tax cut! >> exactly. that's even better than the last one for most people, and this is coming right before the big holiday buying season. so people might have even more to spend. could be good for consumers. >> and a little bit warmer winter and you have these lower prices for how you're heating your home, that's going to be a real tailwind for consumers. >> definitely. this is very good news. and hopefully, oil prices stabilize. we just don't want them to plummet. remember how low they got in 2008. >> for all the wrong reasons. >> right, right. >> i'm starting to worry we might be having -- >> that's why politicians promise $2.50s go, no, no, the reason you get $2.50 gas is because bad things are

happening. let's talk about cord cutters. hbo and cbs unveiling new subscription internet services. the cbs offering is available immediately and costs six bucks a month. hbo's debuts next year, no details on price. is this the game changer? >> netflix was the game changer, but time warner was the first television company to pull the cable cord. this is a game changer. but what i'm wondering now, if i'm getting hulu, netflix, the s offering, hbo, is it going to cost as much as cable when it's all said and done? >> and what a pain is it going to be? how many logins am i going to have to know? >> and you'll be able to see what you're being charged for, and i think that's going to put a lot of pressure on content creators to be able to pay for it. >> people want it ala cart, and they're getting it, but live sports remains the most coveted form of programming right now. because people don't really watch it, usually, on delay. they're not skipping through ads. and guess what, no one is offering live streaming, really, of sports in a major way. >> cbs, and they're not

including nfl in this online offering. >> sometimes i hear people say, it's totally overstated. really, most people, still, are getting their content through their cable subscription. >> i'm not. i know i work for the cable news network and i don't have cable, like many people in my generation. >> this will be his last day. >> don't tell the bosses. >> it's definitely a thing of demographics issue. >> it is. >> already there are lots of older gen-xers like me and boomers that haven't yet cut the cord. >> last year was a big year, the cord cutting sped up. i think that you have hbo and cbs and all this, this is a seminal year. >> game changer, turning point, cord cutters, good news for you. a new perk that's not without controversy, facebook will pay for female employees to freeze their eggs. apple reportedly will add that benefit starting in january. supporters say this promotes motherhood, this is good for women, this gives them flexibility, this allows them to really focus on their career at a young age and worry about the child rearing later.

critics say it pressures women to delay child rearing. this is a big topic of conversation. i think this is tech changing what we're expecting for our companies and for their coverage. >> and it's done that in so many ways already. i think increasing the american work culture is a tech culture. it's 24/7, people are in cubi e cubicles. i think in some ways, it reflects how male and how hard driving technology is. >> really? >> i do. and you see that the number of female executives is very low in tech. i've got to say, it makes me tired, all of it. >> a lot of the women who were asked about this in the tech industry said one of the reasons they want to freeze their eggs is because they just can't find a husband. it's not necessarily about work, it's about finding a good men. >> it's not a lack of viable eggs, it's a lack of o viable men. >> my question is, if you're gay, theoretically, and you know somebody, you're a male in one of these companies and you know a woman's whose eggs you want to use, will the company pay for you to freeze her eggs? >> in tech, i wouldn't be

surprised if somebody pressed the issue. >> i think the message here is, lean in eventually. i mean, cheryl sandberg, it's all about how she gets out of the office at a normal time, so she can go home and spend time with her kids. >> who believes that? who believes that? >> look, i spoke to a big tech ceo recently who told me that what happens is, women go home, put their kids to bed, make dinner, they come back and work until midnight. that's the reality. all right, guys, thanks so much. have a great weekend, everybody. coming up, america's you youngest self-made billionaire, she left college, stanford, to start her own company. what she founded could change health care for millions of americans. introducing synchrony financial bringing new meaning to the word partnership. banking. loyalty. analytics. synchrony financial. engage with us.

[ male announcer ] even more impressive than the research this man has at his disposal is how he puts it to work for his clients. morning. morning. thanks for meeting so early. come on in. [ male announcer ] it's how edward jones makes sense of investing.

america's youngest self-made female billionaire is a college dropout. now, the company she left school to start is revolutionizing how we draw blood. rachel crane has her story. >> reporter: at any given time, there's about a gallon of blood running through your body. a substance that isn't usually at the forefront of our minds. but perhaps it should be. your blood is one of the best indicators of your health. >> today people have more access to data about their credit card than they do about their body. the question that we were focused on in starting this company and building this company was how do we make it a reality for every person to be

able to find out the health information that they need or the health information that someone they love needs? it's far too often when someone you love is really sick, you're finding out about it too late. >> reporter: the practice of phlebotomy is over 3,000 years old but the way we draw and test that blood hasn't evolved much. this 30-year-old billionaire is changing that by making it possible to run multiple lab tests on just a single drop of blood. so how do you feel about needles? >> i have a major problem with needles. i really believe that if we were from another planet and we sat down to put our heads together on torture experiments, the concept of sticking a needle into someone and sucking their blood out would probably qualify as a pretty good one. >> reporter: elizabeth holmes is a college dropout. she left stanford university at

19 to start a company. the company's technology will soon be in every walgreens in the country. how does this lab compare to the lab you would find at a more traditional laboratory company? >> here we're doing it all around our own platform. what we've spent the last ten years was test by test redeveloping the chemistry. >> reporter: when you say you've reinvented the chemistry of all of this, what does that mean? >> it means you basically have all the chemicals that oob used to process a test in a traditional lab with a large volume of blood. you have to go reinvent each of those chemicals to be able to work with a small amount of blood. >> reporter: that's not all they'll tell you about their technology. they operate under a cull sure of secrecy. all the way down to where the real lab sits, several feet below ground. the life-and-death decisions are being made based on these tests that you guys are doing here. some of your critics have said not enough review has been done.

>> we're certified as a high-complexity lab. and that's the exact same level of regulation and testing and certification that every other lab has. >> reporter: your company is now evaluated at over $9 billion, making you the youngest self-made billionaire in the world at this point. how has that changed your life? >> you know, it hasn't changed my life at all. it's a wonderful thing. but it's not why we're doing this. and it's not why we're going to be successful as a company. and we're just getting started. >> changing your relationship with that needle when they draw blood, that is really disrupting. all right. she's got 60 stores around the globe, fashion designer cynthia rowley tells us how she makes it work next. about 55. where you headed at such an appropriate speed? across the country to enhance the nation's most reliable 4g lte network.

how's it working for ya? better than ever. how'd you do it? added cell sites. increased capacity. and your point is... so you can download music, games, and directions for the road when you need them. who's this guy? oh that's charlie. you ever put pepper spray on your burrito? i like it spicy but not like uggggh spicy. he always like this? you have no idea. at&t. the nation's most reliable 4g lte network. i lost my sight in afghanistan, but it doesn't hold me back. i go through periods where it's hard to sleep at night, and stay awake during the day. non-24 is a circadian rhythm disorder that affects up to 70% of people who are totally blind. talk to your doctor about your symptoms and learn more by calling 844-844-2424. or visit my24info.com. painstakingly engineered without compromise. to be more powerful... and, miraculously, unleash 46 mpg highway.

an extravagance reserved for the privileged few. until now. hey josh! new jetta? yeah. introducing lots of new. the new volkswagen jetta tdi clean diesel. isn't it time for german engineering? dad,thank you mom for said this oftprotecting my future.you. thank you for being my hero and my dad.

military families are uniquely thankful for many things, the legacy of usaa auto insurance could be one of them. if you're a current or former military member or their family, get an auto insurance quote and see why 92% of our members plan to stay for life. but when we start worrying about tomorrow, we miss out on what matters today. ♪ at axa, we offer advice and help you break down your retirement goals into small, manageable steps. because when you plan for tomorrow, it helps you live for today. can we help you take a small step? for advice, retirement, and life insurance, connect with axa. you know your dentures cant, unlike natural teeth. try new fixodent plus truefeel. this smooth formula helps keep dentures in place. it's free of flavors and colorants

for a closer feeling to natural teeth. fixodent. and forget it. cynthia rowley is a fashion designer with boutiques around the world, collections sold in top department stores, but she says these days none of that is necessary. if you want to be a designer like her, there's never been a better time to do it. ♪ i'm going to ask her some very serious questions. any big surprises on the runways this year?

>> well, people are talking about a little bit of a mod feeling on the runways. >> this is a little bit mod. >> you know, this is a little bit mod. >> can i just try this on? >> yeah. ♪ as a brand, we're kind of known for these graphic prints and mixing sporty with pretty. you know, i like the idea of putting great design in everyday necessities. this is function and fashion together. go jump on a city bike. >> what advice do you give a young designer? >> it's such a great time for making your product accessible to tons and tons of people and getting the word out and telling your story. it's never been better. you know, it used to be you needed to invest, you know, so much in a start-up. now it's like you can have an idea. you p up it out there, and it's okay if it's small.

>> you always were pretty and sporty. now you've taken sporty and have sporty on its own. and that's all here. >> and fully functional like the wetsuit. >> do you think this is a growth area? >> most definitely. every single industry from silicon valley to wall street to the new york fashion world, people don't really dress up. if you feel like you look good and you're excited about what you're wearing, you're going to perform better. you're going to have more fun. you're maybe going to do things and try things that you've never done before. >> the track pants and t-shirt. >> well, i still like a budweiser t-shirt. >> where does cynthia rowley fall on the lean-in, lean-back spectrum? two kids, a big business? >> is there a bungee jump version? i still work really hard. >> you like to work really hard, don't you? >> that's the thing. the reality is, i really like what i do. and it's really fun. and it's really exciting.

so it's not like work. >> i love that. lean in or bungee jump in. thanks for watching "cnn money." check us out on cnnmoney.com. have a great weekend, everybody. you are in the "cnn newsroom." i'm jim sciutto in new york. we begin in ferguson, missouri, and a new development in the case that triggered weeks of violence and protests there. "the new york times" reporting today that forensic tests found michael brown's blood inside the patrol car of the officer who shot him on august 9th. in fact, for the first time we're hearing what officer darren wilson said about what happened inside the car on that day. minutes later outside the unit, wilson killed brown who had no weapon. we want to turn now to cnn's ted rowlands in ferguson, missouri. ted, these new details, they seem to