love you, sioux city, and then, i looked up, i was feeling warm and fuzzy and i thought, oh, really? they love hannity more. who could blame them? >>shepard: bigger sign does not mean more love, megyns i know better. >>megyn: what are you doing at 9:00 p.m.? >>shepard: glued to the television, and we will be watching on the internet and listening on the radio. it will be very busy here. >>megyn: you are the best. >>shepard: looking forward to it. the parents of a 17-year-old girl are now suing after their daughter died following dental surgery. the details on that ahead. and the death of a college marching band member sparking growing investigation across two states on hazing. our legal panel will breakdown the if you lawsuit. and we are getting word of a

last minute deal on capitol hill. an effort to prevent another government shut down. what it means. and the fight over the payroll tax cut is ahead unless breaking news changes everything. this is "studio b." fox news is america's election headquarters and we are counting down to the last debate before the first republican presidential contest. the candidates are set to take center stage in a matter of hours right here. clearly it is five hours and 58 minutes. high stakes face off in sioux city after a week of pointed attacks between the candidates locked in a volatile race. we have seen a parade of frontrunners and the former massachusetts governor romney and former house speaker gingrich seem to be battling for the top spot but new numbers show congressman ron paul is moving up in iowa so look out. he may already be gaining ground in new hampshire which holds the

primary a week after the iowa caucus. a survey in the granite state of voters puts paul in second place behind governor romney, and speaker gingrich drops to 3rd but you can see it is close. and congressman jon huntsman, rather, governor, a close fourth. but iowa is first and right around the corner and what happens there could depends on what happens tonight. and to our main man on the trail, carl, update us. >>carl: well, the biggest debate, the final debate before the first caucus as we show you on the screen, counting down rapidly and it is a big deal. we have seen the candidates familiarizing themselves, and ron paul who has been a serious critic of the frontrunners, boats romney and newt gingrich, very loudly going after them. he did his appearance here to familiarize himself with the surround ensure and said he is

actually quite proud of the organization that he has built, better than ever before and a lot of folks around iowa who think he could pull off an upset victory. and michele bachmann has been going after romney and gingrich for months and her campaign has talked about a lot of progress sewing up the pastors in the church network where 50 percent of the electorate are self-described evangelical and pushing hard for home schoolers a very influential network of caucus goers in iowa. and a new ad today from rick perry, and in that ad he, today, goes after both gingrich and we mitt romney by name. he has been attacking them very aggress every. there is evidence that it is taking a toll on gingrich in the polls. not so much the case with romney. he has been in the low 20's basically for a year and a half and notwithstanding criticism

from the debate he is hovering at 20 percent and now gingrich is the same margin. >>shepard: a poll shows preferences in iowa. lay it out. >>carl: it is shifting. gingrich knows he has a problem for a lack of organization in iowa and lack money to advertise so the criticism from the rivals can only be answered by him and his appearance in the news media. and it has been slipping. romney has now returned to the lead. gingrich is in second place, and ron paul is right there on the heels and it is insignificant, there is a virtual tie, a three-way tie. because of the organizational surge and how important it is in the last 18 days of this race, the people to actually do the boots on the grounds and get-out-the-vote effort a lot of buzz that rick santorum could exceed expectations and put himself in a four-way tie making

a huge train wreck to analyze and determine who the real winner is not just on the roster but the expectations game creating momentum. >>shepard: thank you, carl, and now to the strategist, g.o.p. strategist, adam is with us running the republican consulting firm national research in 2009 he campaigned pollster and strategist for governor chris christie and worked for republican members of congress and the republican national committee. he is legitimate. how are you? >>guest: nicest thing anyone has ever. >>shepard: if that is the best you can get "legitimate." what seems clear, newt gingrich's star is dimming, don't foe how long it will, and ron paul is coming up in a big way. >>guest: ron paul is romney's best friend these days. the better ron paul does, the worse it will be for newt and it is going to help mitt over long

term because say what you want about ron paul, he has his very enthusiastic energetic followers but he is not build for the long step. >>shepard: why? >>guest: because he doesn't have the organization, he doesn't have the money. >>shepard: doesn't he have the best organization in iowa? >>guest: in iowa but it is a marathon, not a sprint, and he really doesn't have the best organization in a lot of the other states. >>shepard: and i understand gingrich doesn't have much of an organization at all. >>guest: you are correct. that is a problem for newt. after the smartness and the very energetic and very well done debate performances, the problem is, there is a lot of money that needs to be had and a lot organization that needs to be had. he is lacking both. >>shepard: she in the case where the campaigning isn't. the other day something downtown in new york city and all over the country. i have not understood the strategy. >>guest: i sure have not. he keeps his own counsel and i

would assume that somewhere there is a strategy he has. no i don't what it is. the same was said about former candidate herman cain going to a lot of different states and his campaign --. >>shepard: we see what was going on there and romney, after the $10,000 best gaffe from all the republican that i have read, iowans think of him as aloof and plastic, those are words they used in surveys. >>guest: the thing about mitt romney and iowa they never were like a perfect fit. and they still aren't. the point is, all mitt has to do is exceed expectations. he doesn't have to necessarily win in iowa, but he just have to do better-than-expected and maybe gingrich worse than expected. it comes down to organization, so if he does well and he is able to take that body language, we did better than expected and take that to new hampshire he still comes out ahead.

>>shepard: good to see you. i'm excited about tonight. >>guest: i will get my popcorn ready. >>shepard: one last chance to hear from the candidates before the iowa caucus and we have not mentioned the specifics yet so here you go: the fox news republican presidential debate is 8:00 central on america's election headquarters continuing coverage throughout the day with coverage online, before, after, and during, and on hundreds and hundreds of fox news radio stations. we got you covered tonight on fox. the war that left 4,500 americans dead and 100,000 iraqis dead, and drained more than $800 billion from the united states treasury is at long last over. the u.s. military today declared the end of the mission in iraq. it was a low key 45 minute ceremony at baghdad airport and the flag of american forces was lowered and flipped into a camouflage covered sleeve to mark the end of nine year

deployment. after the ceremony, jennifer spoke with the defense sent on the way out of iraq. >> this is a special moment. (inaudible) suddenly thinning about all likes lost, all the blood spilled, and kind of hope that all of this has not been in vain. that hopefully the country can move forward and be able to govern. >>shepard: apologize for the audio. loud around the plane. remaining u.s. troops in iraq will leave by the end of the month, and the chief fox correspondent jonathan hunt has the details of the day, a pretty low key ceremony all the way around, i guess, you know, imperfect but it is over at least. >>jonathan: when you compare to the way this war began, of course, remember all the months of rhetoric leading up to the war back in 2003 and we all

remember, of course, the thunderous noise of shock and awe to baghdad and then the businesslike ceremony, in baghdad, today, and neither the iraqi prime minister or any other senior leaders turned up for this ceremony which is not clear why but the defense secretary was there, and he was keen to point out that this was a war that was worth fighting. listen. >> to be sure, the cost was high. the blood and treasure of the united states and, also, for the iraqi people. but those likes have not been lost in vain. they gave birth to an independent, free and sovereign

iraq. >>jonathan: this was also an era of opportunity but also an era of great danger. no one would subject that iraqi will be peaceful in the next few months. >>shepard: and plenty of people who don't want to end this. >>jonathan: a lost experts worry about pulling the troops out now, they worry about the potential for violence on a domestic front in iraq but they also worry about the possibility of foreign interference, i spoke to a retired member of the u.s. air force. listen to this. >> it is great to bring our troops home, but on the other side, there is iran, and there are the other issues going on in syria, and we leave a very volatile middle east and i'm not sure that leaving iraq at this point in time is really the best move from a strategic standpoint it will play well but as far as strategy it could be a different story. >>jonathan: but the decision has been made and the u.s. flags

that flew have been brought down and boxed up. it is on its way back. the two remains u.s. bases will be dismantled and the last the 4,000 remaining u.s. troops in iraq will be out of the country by new year's eve. >>shepard: home for the holidays. that is great news. jonathan will chat away at foxnews.com/shep. you know what to do, but some you have not done this. >>jonathan: millions of people and there are dozens of them chatting. where are the millions? >>shepard: what in the world are you doing? >>jonathan: what could be more fun than chatting to me. >>shepard: foxnews.com/shep and you click on the sunglasses guy and he pops out of your computer and he will entertain you, play with the dog dance with the children. it will be awesome.

foxnews.com/shep. a young man is dead and his band mate beat him to death in a hazing ritual and the fallout is occurring in dozens of schools. there he is, poised to discover plum amazins,

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>>shepard: one of the mother famous bands in the land and the death of a member of that band has sparked growing investigation across to states, in several schools, and all

about allegations of hazing. it starts when a 27-year-old drum major at florida university died during a hazing incident. he was found on a bus barely conscious and he died a short time later. the family says they are suing the school and now another florida a&m student is suing. and now, that student, steve, says that he had a hazing incident of his own and was beaten so badly the leg was broken. >>reporter: this second case involves the first year student, a woman to time around, a clarinet player if that marching band. at a pledge meeting she was beaten so badly not upper legs she could not walk across campus and they took her to the hospital she found her femur had

been shattering. all she was beaten by hands, 50s, and metal rulers, and book binders so much that it caused blood clots in her leg and she could barely walk the next day and later was taken to the emergency room. >> throw of the fellow students, fellow band members have been arrested and now florida's governor is getting involved saying that the president of the university should be suspended immediately. >>shepard: this goes beyond that school and now beyond florida and up to georgia, right? >>reporter: there is a concern which is not just a problem in college manying bands but also in high school marching bands were the victims come from the same high school outside of atlanta with prominent manying bands, so the investigations are underway into the physical violence and hazing incidents and for the time being while the investigations are underway, 21 high schools have shut down their manying bands.

>>shepard: thank you, see, from south florida. the lawyers are here. they will weigh in on this in a moment. how much liability is there for the schools? and twice already this year congress has accommodationly close to forts a government shut down. they are all for the drama. tax could go up in the process and which is the sticking point. that is ahead. the money i save with progressive lets me do some pretty cool things. buy people gas. come on around, we'll fill up your tank for you. pay their baggage fees. you're so kind! thank you. even pick up their parking. i'm just saving it forward. this parking's on me. tell 'em the messenger sent you. so i'll be out there sharing my savings

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>>shepard: the hazing investigation at florida a&m university. if you have seen their band, you know it is what puts florida a&m on the map and there are

allegations in the fraternal community of a band, hazing is a regular thing. now, someone has died. another lawsuit has been brought in. so we take it to the lawyers, new york prosecutor, josh, is us with, and criminal defense attorney and fox news legal analyst, mercedes. tough to read this. you don't think of that sort of thing happening in such an environment. >> and it continues to keep happening. it is like a culture. some kind of a, look at penn state issues and syracuse issues, and it is college issues and sometimes even to the high schools of the secret killtures and now we are seeing the dangers. it is not shocking because it does not seem like enough is being stopped. no one is getting if there to see what is going on and saying we are going to stop this either by policing the fraternities, or the sports or bonds, they are not policing them. why? that will put a different climate over the organizations and not be such a desirable

school to go to. >>shepard: you want the young people to grow up into hen and women and that is what we are supposed to do. how do you deal with this? >>guest: it is serious. because there is a track record an this university, they are in big trouble. they fired the band leader. they said, he had 30 suspensions in this semester alone for all the kids participating in hazing. there is significant history including a broken leg. and i thought that this particular father said it, you send your child to war and this could be an expectation they don't go hope but at college you don't expect your child to come back in a body bag. >> the problem is no one will knock on the door and say, this is hazing, and this is what will happen if you continue the hazing by a surprise visit or a check on the system that this behavior has to stop now because it is dangerous. >>shepard: we used to see this

in fraternities and people died and they started cracking down and now they throw you off campus quick if they cap you. >>guest: but people have to get it stopped before it gets that far. >>guest: get a bus monitor or a couple of them, do not put profits over people. it cost as little money, but it will save lives and that is why the liability will be there for that university. >>shepard: we have word of a deal on capitol hill as weird as that is to prevent a possible government shut down. leaders on both side expressing optimism they can resolve their differences. so proud of you! at issue, a massive spending bill. and an extension of the payroll tax cuts and unemployment insurance, and the president is urging congress to get it done. >> congress should not and cannot go on vacation before they have made sure that working families are not seeing their taxes go were by $1,000 and those who are out there looking

for work don't see their unemployment insurance expire. >>shepard: now you know why they have a deal. because the leader said if you don't get a deal you can't go on vacation. that would do it. kind of like finishing your phone calls and finishing your e-mails first. they do not have were time to get a compromise. >> this is weird, i never took theater in college, i probably should have. mike probably did and he is on capitol hill. it sounds kind of like there is a change today and it sounds to me like it is the threat of a no vacation. >> the heated rhetoric is gone. republicans, democrats, house, senate, it is gone. everyone i have talked to says that the idea of a government shut down tomorrow united would be devastating. look, we are headed into an election year, so you do not who would be blamed. the voter could take quite a

price. speaker boehner said everyone take a deep breath and made this point. >> there is absolutely no interest on our part in trying to be strident about this. we believe that it is important to keep the government open and we believe it is important to finish the work on the payroll tax cut and unemployment insurance. >>reporter: he is trying to reassure everyone that he is committed to getting this done and is willing to make a compromise with the democrats in order to push this across the finish line. >>shepard: did you see the movie "fargo." the guy not wood chipper? sometime i feel like they just ought to open the capitol dome and dutch them all into a wood chipper. both sides. the independents. the communists, all of them. just dump them in there. maybe for a nice soup. what has to happen now in the

senate? >>guest: a different change in tone there, as well. we heard senator reid and senator mcconnell have been at each other sounding a lot different at this point. here is the senate majority leader earlier today. >> on the payroll tax cut, on unemployment, and the tax extenders the republican leader and i have been in discussion on that. we hope we can come up with something that would ... get us out of here at a reasonable time in the next few days. >>reporter: it sounds like they are very close. there is talk about a continuing resolution to fund the government for a few more days to iron out final details of the tax extension holiday butten is an to get this done and get home for christmas. >>shepard: don't you know. mike, thank you from capitol hill. it would make a mess, the whole wood chipper thing. the global economy is a mess, as

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>>shepard: this is "studio b" at the bottom of the hour and time for the top of the news. despite the struggling economy america's top c.e.o.'s got a lot richer. according to the study that group keeps track of how businesses run the executive pay went up as much as 40 percent in 2010 compared to the year prior when total c.e.o. compensation fell by less than 1 percentage point. c.e.o. pay rose more than the stock market in 2010 and more than the pay for the average american worker by a long shot. gerri from the fox business network is with us how much are some of the c.e.o.'s making? >>gerri: a lot. one is making $145 million at a company that is health care company. a lot of them on this list this

year did very well. so we see om until i care, and you mentioned other folks in the economy, people who are not c.e.o.'s average private sector pay went up only 2 percent and these c.e.o.'s making 27 percent to 40 percent more. folks making this money, two-thirds say they are not hiring this year and they may cut. >>shepard: this is about productivity. the machines do the work and everyone is productive and this is the change in the economy. this is happening in the indurial revolution, and happened repeatedly, this is not a new thing >>gerri: it is not new but we need to find something else for people to do. >>shepard: just like other times if life. stop throwing things at each other. there is good news on employment. today. >>gerri: the number of people filing 366,000, well below the 400,000 level that says the

economy is not going well. the lowest level since 2008 so we will keep our eye on that. the jobless rate went down to 8.6 percent from 9 jones last -- from 9 percent last month. we will see if we are building momentum. >>shepard: we can be hopeful. hope is not a strategy. but it is something. gerri, you can catch her weekdays on the willis report at 5:00 eastern time, 4:00 in oxford on the fox business news giving you the power to prosper. fox news is america's election headquarters. the president's re-election team likely hoping for more republicans on washington bashing in the debate. according to the latest washington post/abc news poll poll 49 percent of americans have a negative view of the president an all time high and now the democratic mayor of minneapolis is also the vice chairman of the democratic

national committee and first mayor in this nation to endorse president obama for the presidency back in 2008. thank you, and welcome to fox news channel. >>guest: good to be here. >>shepard: what do the democrats want do see happen tonight? >>guest: well, being a democrat at a republican debate is like being at a wedding where you are not in the family, you want to make sure you stay out of the way but we want to hear the same old things we expect to hear. you know, i think in all of these debates they have been saying the same thing going back to the economic policies of george bush, which, by the way, is what got us into this mess. >>shepard: was it his economic policies or the changing dynamic of this economy which included automation and outsourcing and the rest? >>guest: all your points are true, and i was listening to that segment but you were talking about some people making extraordinary sums of money. that is fine. but we should not have politics in washington that are about making sure we do everything poll to protect them and not the

middle class. when we go to the george bush policy the part i most shutter when i hear the debates the candidate says what we need is less oversight of those would were involved in some the financial wheeling and dealing that had huge implications for the economy. we want americans to make a lot money. that is the american way. but we also want fairness. and that is what the president has been about and what this debate about the middle class tax cut has been in washington, and i am happy there is a bipartisan agreement and that is a good thing because people should come together right now. we could have had an agreement months ago, if the republicans would not have held out to prevent middle-class mens from getting attacked so they could protect those at the top end. >>shepard: the president is in quite a position as he tries to not continue to blame others for everything and still take some personal responsibility for the mess we are in and he has been trying to straddle that line and

a lot of the critics said he did not do a job with the local station saying we are trying, we spent, but there is more to do. what do you suggest to him? >>guest: well, i would suggest that we are doing exactly what we should do. we are going out into the small towns in iowa and across the country and big cities, doing the same thing, looking people in the eye and telling them we are in tough times and it will not be a snap of the finger to get out. what we need to do is make sure the economy is treatingen fairly, we need to invest in the engines of the economy which is small business, and as a mayor would has been able to put money into small businesses because of the work of president obama, i know that we're on the right track on that. we have to be about investing in the new economy, the places where things are growing and the new energy economy and places like iowa or minnesota other other places is what the president is invested in and we have to make sure we drive exports. that is one of the pieces of the economy that is moving forward.

this is no magic wand. but if we do the basics, and we have fairness and that is what the president has been about, we can keep moving and the good news is 21 straight months of private sector job growth we are moving in the right direction and we have to not go back to the past. >>shepard: the outsider looking in at the party tonight, the mayor of the city of minneapolis. thank you for coming, sir. >>guest: thank you. >>shepard: you have a last chance to hear from the contenders before the first presidential contest, and i have not mentioned it this hour they face off in the debate before the iowa caucus tone, 9:00 eastern, and 8:00 in oxford on the fox business network. this is additional information on all the debates at foxnews.com/debates. we have done a number of distractive driving reports on "studio b" and this is likely the first one where some of the speakers are calling distracted doctoring. according to a new doctor peer

review first recorded in the "new york times" 55 percent of technician whose monitor bypass machines at mid to talking on cell phone during heart surgery. one nurse admitted to checking airline tickets during operations. john roberts is in atlanta. i mean ... what is going on? what is happening here? >>guest: well, it is just like everyone else out there. we know this is a problem. we do not know how bad it is because there is only the one study that has been done but like us, the doctors, nurses, medical technicians, cannot resist checking their e-mail, sending a text, talking on the cell phone, while they are at work even if that work is in the operating room and is the medical community takes more advantage of the new technologies, the potential fore distraction is only going to be worse. a member of the fox medical "a" team. >> there is an advantage for the electronic medical records and the state-of-the-art technology.

but this is a huge problem with independenting this. there are 25 to 100,000 death as year in a hospital that are a consequence of bad medicine and some of that is due to this. >> he says the university of rochester medical school brought this to our attention in an article and he says that even though they are highly trained people if you have a cell phone near you and you are on computer you cannot resist the risk of checking your e-mail and looking at facebook, anything like that even if you are in a risky situation. >>shepard: you do that around here and you miss the mark in the studio but no one's chest is spread open. what do we do? >>guest: it is not brain surgery. well, this is a generational thing mostly people in their 20's and 30's so medical schools are urging students to leave the ipad, leave the chart phone, in your pocket, in your locker, when you are on the floor, don't check your e-mail

or your facebook pain, and they are teaching them to interact with paints, now, that medical record keeping is becoming were more prevalent, opposed to practicing eye medicine. >> the art medicine is eye to eye contact, face-to-face contact, you have to get gstalt of the patient and figure out one-on-one, all the computer aids cannot help you with that. >> and this was studies after a number of trauma parents cape through the emergency room all involved in car crashes while texting and he looked how many in the medical setting were using the devices he was shocked. >>shepard: done a fine job with that name of that greek doctor. a girl daily died after a routine surgery. i'm talking simple surgery. that many you have had. dead. and the legal pan sell here --

legal panel is here with that. ♪

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>>shepard: new details on jon corzine's collapsed brokerage firm, mf global, mf, seems to fit. the firm went bankrupt and the feds say more than $1 billion in customer cash went poof. and the governor doesn't know where the money is, and the investigators are close do answering this $1 billion question. judge napolitano, i was down stares earlier, watching jon corzine testify, and good grief, three days in a row of this and i don't understand the logic of

it, why testify? >>judge napolitano: he probably believes he can use his representation not as a politician but as a wall guru, former wall street guru, the reputation now is shot, to sort of manage the way the investigations of him will go. there are many investigations of his behavior that are ongoing and the investigators are probably not in the conference room or in the congressional hearing room where he is testifying. there is a criminal investigation going on, being done by f.b.i. agents and similar investigations going on by lawyers for people who gave a lot of money to corzine where he was not permitted to spend him to pay corporate bills and regulatory investigations going on. he believes that he can temper the investigations by his explanations. in fact, he will heightened the investigators and he will challenge them to go after him. he will offer them tidbits and he will give a gift to the prosecution which is a long,

long statement under oath of his verse of events. by the defendant. something the prosecutors never get but in a crazy case like this. >>shepard: the defense attorney is one of the most paymentous in all the land, the most noted defense tones in the nation. >>judge napolitano: lawyers do continuing legal education, courses while they practice and there is a course dealing with high profile client what happens do you do when your client is not a lawyer and wants to run the show. you say i am no longer your lawyer but if you want to do this this is what you do. they are far too good to have allowed him to do this or to have advised him, he is only doing it over their objection, because he is jon corzine and he believes he can talk his way out of this mess like everyone who talks too much he is making it

worse. >>shepard: so, mf ... >>judge napolitano: only you could make that jump. unless he told the people he was about to declare bankruptcy, but then why would they invest with him? >>shepard: we will walk you tonight on the fox business network right before the debate which begins five hours from hour. if you don't get the fox business network you should demand it, the parents of a 17-year-old girl filed a malpractice suit after a teenager died during an extremely routine dental procedure. one that millions upon millions of people have every year but she died. so who ordered the cereal that can help lower olesterol

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>>shepard: ever had your wisdom teeth removed? ten million wisdom feet are removed each year in the united states. and one family in maryland says the routine procedure went, well, absolutely awful. the parents of a team would died during surgery saying that the doctor wait today long to revive the girl after heart rate dropped. the 17-year-old died after she did not get enough oxygen while under anesthesia. the legal time is back. and josh and mercedes. i am guessing this ought to be a fun lawsuit for the lawyers. >> sad. >> horrifying. >> it happens often but you have to look, and, say, there is a risk to any surgery, but, what do you do with this particular case? you have to find out the key, an allegation that she did not get help quick enough like the michael jackson case. he did not call the ambulance

quick enough. >> she went in for a tooths traction and she is did? of course they did something wrong. and she is an only child. horrifying. >> 17-year-old, loss of companionship of the child, what is that child's life worth? her entire life was ahead her were we are talking seven figures especially if they had to show she ised. if it was strictly just a coma, maybe not. >>shepard: this happens all time, josh, you said? it doesn't cross my mine. >>guest: you know, things like, simple surgeries and people do not think, you think dill not be you but things go wrong. sometimes there are people who are not capable of handling the

job they are handling and we are seeing more criminal investigations because there are people who are in positions that should not be in the positions because people are dying. >>shepard: this is a $3 billion industry and the doctors are they required to make the extraction? if not, and it is truly profit, you have a serious problem. >>shepard: they used to want to take everyone's tonsils out and wisdom teeth were always being pulled out. >>guest: it makes money for the doctors. >>shepard: mighty sad for the family the an amazing story of generosity. we will show you how hundreds of helping those less fortunate at bank of america, we're lending and investing in communities across the country, from helping to revitalize a neighborhood in brooklyn to financing industries that are creating jobs in boston

or providing funding for the expansion of a local business serving a diverse seattle community and supporting training programs for tomorrow's workforce in los angeles. because the more we can do in local neighborhoods and communities, the more we can help make opportunity possible.

>>shepard: and volunteers giving out on envelopes in minneapolis yesterday each containing a single dollar, part

of a gift program giving program, called holiday forward based on a movie "pay it forward," the founder, unemployed iraq war veteran is asking people to add one dollar to the envelope and pass it along to someone else, and put in a dollar, and so on, and so on and the idea when the envelope reaches someone in need, they will have all the money they immediate and that person all they need to do is take the cash but lobby a dollar and move it forward. >> if you feel you need the money and your personal circumstances warrant it, take the money out, leave a dollar in and pass it along. all this is a truly "wonderful life," story. >>shepard: people are free to give-and-take anonymously without having to share their circumstances. i like that. that is a good cruz. something about giving anonymously and not telling everyone and not making a good deal out of it