Gerri welcome to the willis report. You are show them your money and your voice. Tonight, the savings. Major banks are warning that they may charge you to have a checking or savings account. This is according to the Financial Times and you heard me right. The banks are charging you to keep your money and not the other way around. Two out of five banks because the Federal Reserve said it may Interest Rates it pays the banks on some of the 2. 4 trillion in reserve that they have. The banks are making up for it by hitting us in the pocket. Its always great to have you on the show. Let me tell you why this incenses me. Already on my cds and earning nothing. 0. 23 . On my savings account, my money markets are not earning anything at all either. 0. 12 . And that his paltry earnings. Now they are going to charge us more. Why is that . The economy is not strong. The banks dont have a lot of demand for those loans. So if they put it in the Federal Reserve in the make almost nothing, they are not making any money on it. Theres a lot of overhead in the banks, they have branches in the have to pay the Insurance Companies for insurance. Gerri how much does that add up to for each account . That we pay for the fdic insurance, its a lot of money, setting up the accounts takes a lot of dough. How much is going out their front door to have me as a customer . About 200 per account. They want to make money in some way. They hope that even if youre not going to have a lot of money in the account, they can sell you something else. Gerri already according to some folks, theres Something Like 30 fees on each checking account. And i have to tell you that i kind of feel like they are getting what they need out of me. Well, they used to get a lot more out of you, like a lot of Overdraft Fees and things like that. A lot of things that the government has clamped down on what they are trying toodo is quietly parcel out customers that are profitable from the unprofitable ones. If you dont have a minimum balance or your salary directly deposited, what theyre trying to do is make sure that you have a lot of money there and that you will probably come into the door when you need to fix your roof or buy a new car or Something Like that. Gerri ben bernanke said that he might dialback on his 85 billiondollar a month bond purchases by paying the banks for the reserve. They have 2. 4 trillion in reserve, about a quarter on that. Maybe lashing that. How desperate is the Federal Reserve to boost its economy the economy by going after the banks in this way . May arguably run out of ammunition, that the old idea that you are pushing on a string. They can make money as cheap as they want, but if the economy is not strong in the demand is not there, nobody wants the money and that is the problem that the banks are facing right now. We are bringing our deposited and no one wants to borrow it. Gerri so they are not making Mortgage Loans were very few, a lot of the banks have abandoned that business altogether. Now they want to charge me even more for a silly checking account. At the end of the day, i feel a big dont want to have you as a consumer. What would it mean to the major big banks to have consumer individuals going elsewhere . Many are willing to be patient. They hope that they will be doing so in the future but thats not a Sustainable Business model for the banks in general. When you look at the fact that they are dealing with regulation , they are working on it with a lot of headwinds right now as well. Gerri i want to ask you about something. I know you talked to a lot of important big bankers. He said there is just too much uncertainty in the economy and you can tell by looking at the spread between the 30 year treasury and the fiveyear note. Its the biggest its ever been, the widest its ever been. He said that shows you just how uncertain folks are in the economy and that they cant look forward hardly at all to see around the corner as to what the economy is going to do. So what do you make of that . I hear from that from bankers, customers, talking about Small Businesses and mediumsized businesses and they dont know what is going on problems with health care, questions about the economy and they are not investing in that is with the banks really need for the demand to pick up for the loans in todays this demand gerri i feel that its a supply problem. People more money all the time, and its just almost impossible to get a major bank to learn. The problem is that the regulations are so tight. And with all the regulations, if you have a high credit score, they are happy to lend to you. That leaves the regulations are so imprecise and so uncertain, with all of the new regulations expected, that they feel that they cant do it. Gerri that is great advice. Thank you for coming on the show. And another warning this time tomorrow, one of the busiest travel days of the years is being threatened by a an approaching noreaster which could lead to major headaches and delays. With moore, president of airfare watchdog. George, thank you so much for coming on the show. It looks like its going to be bad. How many flights are being careful right now . I think that we actually have a massive we can show to give people an idea of just how bad its going to be. What do you think . There may be hundreds of Flights Canceled because the Airlines Need to have their planes where they should be. And one dallas has its knees, the entire country catches a cold. Gerri we are looking at a misery map. This is where the mouth is, a sense of where you can get an idea where the delays are. You think we are were looking at a nightmare come tuesday wednesday . Even if the this one isnt as bad as we thought, i really recommend that people have a list of ultimate flights that they can take on another airline. Gerri you have lots of great advice for this. We are looking at pictures of the storm itself and its a monster. Get to the airport early because then you can get in front of the problems that are coming. Absolutely. The United Airlines guy came up to the kiosk and he said where you going and i said im going to boston and he said no, your flight was canceled. Follow me, he got me through security and i was on a flight that was leaving in about 10 minutes. So if i hadnt been there three hours early, i wouldnt have gone to my destination. Gerri thats just because youre an important airfare person. [laughter] no, and not really. Gerri if your flight is canceled, what is the vast way to go about it and what is the best thing to do . One thing you can do is if you dont want to take the trip after all, get your money back. If even if your flight is delayed, the airline will refund and a lot of people dont realize that. You do not have to show up. You can actually get your money back. Another thing you can do. Gerri so how i get my money back . Really . I never find that the airlines are very open. What is the procedure for doing that . Gerri you are right, theyre not going to offer you the money back. They will offer a voucher and say would you like to go later, no change free. But if you look at the contract of carriage, united has four options under the contract for involuntary delays. And the fourth one is moneyback guarantee. So you do have a right under the contract of carriage to get your money back. They are not just going to hand it to you. Gerri i think you have to demand help. We are talking about the east coast a lot. This is going to impact travel on the west coast as well even though the weather is not there. Absolutely. People will show up in an airport that is perfect weather like being asked. And they will say that the weather is perfect. But it was not the weather there but the weather in newark, new jersey, or dallas, texas. Gerri those are excellent points. We appreciate your time and happy thanksgiving. Now we want to know what you think. If the weather hurting your Holiday Travel plans . Vote on the righthand side of the screen. We have more coming this hour, including a warning about annuities. They may cost more than you think and warning about your taxes as well. What you need to know coming up next gerri dirs putting taxpayers at risk for fraud that could have their personal information stolen, the irs leaving the backdoor wide open to hackers despite warnings from auditors. Your personal information is at risk. And here is the tax administration. The agency neglected to address this. We have john malcolm with us, a senior fellow from the heritage foundation. Is this a surprise . This is in the first time the irs has gotten in trouble for not doing a good job on security. That is certainly true. You get a brandnew dimpling that is previously identified in the irs had these problems and saw eight of them had not been fixed the documents did not pick this up. These are major security breaches. Gerri all the while, as you say, theyre kind of lying about what they have done. In fact, thats not true at all. And how do they get away with this . The irs has a lot of sensitive information. And this is not a hypothetical problem. Inspector general came out with a report in which he said that last year 1. 2 million taxpayers have had their information stolen by identity thieves and it was up to 1. 6 million just through the end of june. There are identity thieves and hackers voiding these one abilities and getting information about all of us. 314. 5 months ago they inadvertently posted the Social Security numbers of thousands of americans. Social security numbers. I mean, the mistakes go beyond we dont have the current data is its a management issue in your view . In some cases it has been part of the irs and that is appropriate and inexcusable under any circumstances and this includes system vulnerabilities and they need to get their act together. Gerri they are really. It does. And they are not trustworthy in order to prevent it from being subject to disclosure. We have a long way to go on this one thank you for coming on, another day another problem for health care. Gov. The deadline is four days away. Stay with us just by talking to a helmet. It grabbed the patients record before we even picked himp. It found out the doctor we needed was at st. Annes. Wiggle your toes. [ driver ] and it got his okay on treatment from miles away. It even pulled strings with the stoplights. My ambulance talks with smoke alarms andilots and adiums. But, of course, s a good listener too. [ female announcer ] today cisco is connecting the internet of everything. So everything works like never before. Gerri thinking about purchasing an annuity . Details in 60 seconds. Stay with us. Gerri annuities are more than a 200dollar per year business. The folks that sell them. Annuities are like a private pension, the purchaser pays for it, generating an income when you retire. Our next guest says its not what you think and joining us now is ric edelman of edelman financial services. Guaranteed income. The idea of an annuity is sexy. Because of that economic the economic guaranteed income for life with no stock market rest. That sounds fabulous. So for example they dont tell you is that when you put the money into the annuity, that is all youre ever going to get his monthly income and your principal is gone forever. You will never see it again. If you annuitize today and get hit with a bus tomorrow, your spouse gets nothing. Gerri this is one of the complicated arenas for financial investments. They are so them. They are pushed on people. Youre absolutely right. One of the leading things is listing annuities on the top 10 lists of dams because of the free lunch and dinner seminars with salesmen often use. They invite people out, they buy them a rubber Chicken Dinner and they get them to invest in an annuity with a very lucrative sales pitch sounding appeal that is frankly more promise than fact. Gerri there are people that are smart and tell me, how do they make it work . If youre going to buy an annuity, you have to recognize that this is a retirement product aad the need to invest the money into the annuity and never touch it. Not only are you going to pay taxes, 10 penalty also as well. This is essentially a oneway trip with this kind of a product. And you need to make sure that the company is a very safe and secure company as the company is broke, your annuity becomes worthless quick question,. After all, that is what Annuity Companies are doing with your money. Thank you for being on its always good to see you. You u2, happy thanksgiving. And its time for a look at stories on fox business. Com. Consumer confidence fell this month. Another dispute over obamacare. At issue this time, whether businesses can use religious objections to escape a requirement to cover Birth Control for employees and in an exclusive interview with peter barnes bending the Stimulus Program after five years. And he hopes it works. Also recalling the vehicle has been recalled seven times those are some of the hot stories on fox business. Com. And santa is not the only one whos checking who is not in who is nice. And Insurance Companies are still we will have that next. L x and pay one flat rate. I didnt know the coal thing was real. Its very real. David rivera. Rivera, david. [ male announcer ] fedex one rate. Simple, flat rate shipping with the reliability of fedex. You know how painful heartburn can b for fast,ong lasting relief, use doctor recommended gaviscon®. Only gaviscon® forms a protective barrier that helps block stomach acid from splashing up relieving the pain quickly. Try fast, long lasting gaviscon®. So i deserve a Small Business credit card with amazing rewards. With the spark cascard from capital one, i get 2 cash back on ery purchase, every day. I break my back around here. Finally soones recognizing me with unlimited rewards meetings start at 11, cindy. [ male announcer get the spark Business Card from capital one. Choose 2 cash back or double miles on every purchas every d. Whats in your wallet . I need your timesheets, larry the. Gerri if youre like americans getting shattered the obamacare website, you are finally the private sector stepping into the plate trading in new website help you do just that. Joining me now, Senior Vice President of consumer marketing at go health dot com. You will want to remember that. Michael, thank you for coming down the shutter night. Your company got involved in this project. The government invited you into the front door. Right . Sure. We have been in the Health Insurance marketing and Technology Space for about a decade. On the private side with health care to help boost enrollment. Gerri zealously bill. As a consumer, someone who might want to get of the website, what am i going to see and how does it took me up with obamacare . When you come on our side you answer a few specific questions, see the plaza you qualify for, is to make your subsidy, narrowed down to a plan with or without a license advisor, and we walked foxbusiness. Com and roman process. At the end of the process, to the process, thats it. You are enrolled. Gerri to you in raleigh rm ultimately getting rolled by the federal government, by the obamacare website . So, we are enrolling you so you do not have to visit healthcare. Gov in order to be enrolled, but we are leveraging the connection with the fs in to do this subsidy. Gerri what is that . The federal facilitated marketplace. So the irs is the one that is actually doing your marketplace, your subsidy determination. We plug into that, and it drops back to our site. You start and in the process. Gerri you can tell me if i am eligible for the obamacare fix, if i am eligible for medicaid. He will direct me to the plan that i could be eligible for and somewhere to go and what i would be paying so that i have real information on how much money and paying and how much money i can get from the federal government. How long is it taking to get to the website . We have been building in for a while, but the integration for the government from that time they contact us up to now, the point he made about advice is critical. So it is that cystine roman piece but determining what plan is right for you which is why. So keep. Gerri in chicago alone. Over 100 licensed agents. The biggest question is not our and robo was to buy. Gerri apparently the obamacare website has had a heck of a time integrating what they are doing with brokers. This is a different kind of thing. People want to get expert advice. Handinhand to go on these website speed your website is one way to do that, but what i asked you will easily did not answer, how long it took you to build the website. You know why im asking. I bet you beat the government. Well, we are just looking at it as an opportunity to enroll people lead to not have any other solution. For us, that is just exciting. Gerri tell me, how many people at yearold. I cannot release that yet. But unlike other entities that are saying, you know, we dont know. We do know. We just cant release that information yet. Sunday night, for example, i talked to a woman, a family of four commands she had to decide which two family members and insurance. All four have insurance, and it is half of what she paid. Eased to the ramp up. Ready handle the traffic. Gerri how many People Living on . Well gerri how many people visiting your site . I cant release that either. More questions than answers. A really interesting. You know, essentially a private sector effort to try to help people get through this process. It is called go health. Thank you for coming on the show. My pleasure. Gerri interesting. Well, the barely functioning obamacare website has until saturday to work for the majority of americans. But like countless other selfimposed deadlines, the administration could go right past this one. Just today new problems arising making it even tougher for consumers to sign up for health care. The manhattan institute. So what is all of this about . The id verification not working. Well, it has been a problem for months. Federal government. The privacy safeguards in obamacare, it has not been working. People in but theyre Social Security numbers, their personal financial in formation, and it is vulnerable to hackers. Gerri vulnerable to hackers. We talked about that, but now people cannot get their id verified. Even if youre willing to go on the site and rest your personal information getting sent all over the place to me may not even be able to make it work. And there have been cases of people who have got someone elses information. A case in south carolina, someone in that the information from someone from north carolina. If i am getting it doesnt matter. Its astonishing to me that we could be this far along and still have it working like this. What is your expectation for saturday, the big day, the bigger unveil. It will be anticlimactic because were not going to get it. They have already telegraphed. We already knew. It was pointless for them to make that november promise. Gerri of 110 going on, trying to get parents to talk their kids in the obamacare. Take a look. Magic gated by giving healthinsurance. Did an ecards today. Health insurance come a r. P. A long time to order obamacare. Now your paddle to the middle trying to promote the law. What do you make of it . We know one thing about the aarp, they do absolutely nothing that is not in their interest. In this case when it tried to do . Did young people to spend more on Health Insurance than they ought to in order to subsidize. So it is a special interest to play. Thats all. Gerri did Health Insurance and i will admit you are my favorite child. This, as a reward for signing a drought insurance i will detrained you want facebook. Youre welcome. Take a look. I obviously, the friends of obama out here are really trying to push this program. As we already know, young people are not responding. You know what is interesting, so many of them now. All of these encouraging young people to sign up, getting jon bon jovi and alysian keys. The grows with their kickstand. We talk about the price of the insurance product. The young people expect to buy. As the fundamental thing. People say this sounds great in the normal website, if the canyon on it, and theyre shocked and realizes twice as much as anything about before. Gerri that is just one of the problems. Now were hearing from the white house that a lot of people have their coverage dropped. You and i talked about this. We have new numbers. 78 percent of all small employees, 55 percent of large employers, 63 percent of all employers dropping coverage by 2014. This is almost and chopped five impossible for me to imagine. This location for American Families. What will happen . As you know, i wrote about this a few weeks ago. 903 million. The key thing in the employersponsored market is people probably did new coverage for their employer. It will be the old plan. New plans. The differences new plans will be obamacare by which means it will be more expensive. People will have coverage, with the coverage will be much less. Gerri we have seen the cost down. The expectation even for this year is that it will go down further. After that even the expectations of people in the industry itself, it will go to the roof. What kinds of increases of cost will average American Families face . People who work for a living in at coverage. By tossing not going down. The growth rate has been slowing down. That will change under obamacare. Is called the Affordable Care act. People are expecting that it will make health care more affordable. Most people it will not make it less affordable. Gerri thomas moore will be paying. You being on an employer sponsored plan youll probably pay 15 to 20 percent more whats your plan flips over. Gerri theyre all worried about the cadillac coverage. Thank you for coming on. Rates at the year. Thank happy thanksgiving. Only come back we exposed black friday lies. Consumer reports is making a list and checking it twice. To find out. Just by talking to a helmet. It grabbed the patients record before we even picked himp. It found out the doctor we need was at st. Annes. Wiggle your toes. [ driver ] and it got his okay on treatment from miles away. It even pulled strings with the stoplights. My ambulance talks with smoke alarms and pilots and adiums. But, of course, s a good listener too. [ female announcer ] today cisco is connecting the internet of everything. So everything works like never before. How old is the oldest person youve known . We gave people a stier and had them show us. We learned a lot of us have known someone whos lived well into their 90s. And thats a great thing. But even though were living longer, one thing that hasnt changed much is the official tirement age. The queion is how do you make sure you have the money you need to enjoy all of these years. Gerri santa claus still working on is not your nuys list, but Consumer Reports are saying which companies deserve a lump of coal and which deserve praise. Here with the Fourth Annual not the and nice list, Senior Editor for Consumer Reports. Great to have you back. Love this list every year. Slight that treats shares list. You know and i mean . Really looking at companies with an eye to how they treat consumers and what they have done this year. Okay. Lets get right down to it. Amazon is not a good guy this year. Well, the policy that got them on the nautilus this year was that they have raise the requirement for supersaver shipping on eligible items by 10 to 35. This is a company that is the 11th largest retailer in the world and has 61 billion in sales. One wonders why they raise it. It continues to encourage people to purchase amazon prime. Gerri best buy. The traders love this company. Do you like . Best buy is an interesting one. The Electronics Chain has a very stern warning for customers who plan to make a return. It is about their return policy. Even if you have a receipt you will need to present the photo id and best buys and retains the right to take the information from your id and store it in its database to track future returns and based upon future return and exchange patterns, some customers will actually be warned that they will not be eligible for a turn for 90 days. That is pretty harsh. Gerri tried to stop people from returning everything that they get, i guess. Wow. That is annoying. You have to give them the information, which i dont like. Walmart, even though they take a very tough route from a lot of new york journalists. Something positive to say. They do a lot of things. This year when they set up their Layaway Program they entered a consumer friendly to it twist the administrative fee. Last year walmart charged 5, a service fee to open the layaway count, but they did away with it that was nice, on the flip side if you have to cancel there is a 10 fee would still not exist last year. For most people the fact that they dont have to put down money to open the account this year was a nice thing. Gerri that makes a lot of sense. Airlines, not the one nice. Always usually taking it on the chin. Southwest its profits because they offer flexibility. The new fare verses the old fare. And some airlines if you want to switch flights, it can cost you hundreds of dollars. Gerri very expensive. United. The interesting thing about united this year is that for most of us i think that we can understand, you get a little bit of a perk if you have special needs and wants to preboard. People with children under four usually get a preferential spot. Well, this time around united has done away with that, and if you are traveling with the child four years older under, well, you will have to wait until it is eurozone. Gerri thank you for tracking that for us. Good stuff. Love that feature. Okay. Well, southwest plans on the nice list. Its own list of the Worst Airlines for Holiday Travel. That is tonights top five. Number five, american eagle, this regional carrier is all is because more than 18 of its holiday flights are delayed over thanksgiving, christmas, new years. The parent company, american airlines, this bankrupt airline may get another shot thanks to a proposed merger with u. S. Airways. Hopefully that will prove and 19 in a half percent of valid flights from being delayed. Number three, frontier airlines, one in three of its flights are delayed over the holidays mainly because the airlines based in denver where the weather is pretty much a challenge every day. Express jet. Apparently avoiding the regional carriers all the time, good advice with more than 20 percent of all the flights delayed. The number one Worst Airline is, surprised, jet blue. One of the most popular airlines. Actually has the worst track record for november and december. Nearly onequarter of bill flights are delayed. Working on a new technology to help them during bad weather and avoid cancellations. The best airline to fly, lane and alaska. I never go there. Still to come to my 2 cents more. Next, a warning before you brave the stores. What Department Stores are not telling you. Stay with us. Gerri heads up. The dirt on the door busting deals. Retailers are not telling you. Details coming up. Gerri the looking discord deep discounts on black friday . Well, listen up because we have news for you. You may not be scoring deals at all. Joining me now with the real deal, a columnist for market wants. Welcome back to the show. Good to be here. Gerri are the deals . Well, the prices on black friday are going to be probably cheaper than what you might spend on any given day may be, but the truth of the matter is is that there are definitely times of the year when the prices will be at an absolutely lower. You know gerri as much as 38 less. Absolutely. Gerri that is a lot. Right. What you have to think about is that you are going to go through a lot of hassles on black friday on top of that. [laughter] i dont know if the math works out. Gerri the map and the pain and distress. I want to show folks the numbers that we came up with to give them a sense of how this works. Check this out. Talk about buying a sweater. Suggested retail price of 50. The first markdown comes. Then you pay 44. 99. The final discount price, 21. 909. Heres the information you dont have. The retailer pays 14. 50 for this ridiculous water, and the average retail price was 20 bucks. Their gross margin, 20 45 . Pretty good. Real living in a time where even beyond black friday everydays the sale date. So, i mean, we see all the parma stores advertise there dying when they sales, three day sales. Has become almost impossible for consumers to tell what is the real price. And, you know, its something that is an unfortunate fact, particularly at Department Stores. Gerri what do you suggest for people who will get out there and want to know if theyre really getting a deal . The best in the bacon do is bring Price Comparison tools so that at least they know theyre getting the best deal that day. They can bring interest with the smart phone, looking at a chance i think ttey should also be prepared to bring any possible coupon that they have, whether it be on line, mobile, or prince so again, the focus is on trying to get the best price that day at the very least. Gerri you say that these stores, they try to get you to stay on your feet for a long a matter of time. Why is that . The longer you are traveling more you well by potentially. You ever notice how hard it is to find a restaurant and a Department Store . [laughter] gerri true. That is really true. You ever notice that you go up the escalator and suddenly define the next level you have to go around. Again, classic retail strategy. A little annoying for the consumer. Hopefully for then there will be a payoff. Gerri is a better to sit at home and shop online where you have your list beside you. Maybe you are not touching the march, some maybe you are not so inclined to buy. Well, to be honest, most retailers match prices on line and then you find great shopping deals. I talked about with friends and colleagues, you can often find other discounts on line. I cite that would give you a further discount. You could argue that it is better to do it from home. What i will say, there are certain types of things. Lets face it. Its about the idea that shopping is sort of a form of amusement for a lot of people. Gerri i think that is true. One thing we did not mention, shoplifting will be big this holiday season. A dollar figure. The average consumer is paying about 300 per year. Shoplifting. The money just adds to the cost. I think the most disconcerting is that retailers are not always as concerned as you would think because, frankly, theres a legal costs, time cost, and also a lot of Municipal Court systems and Police Departments will not you know, well not really follow through as the retailer would like. Basically there is lot of shoplifting that kind of goes under the radar. What i am telling you is, youre paying a price for it. Gerri great information. I understand you will be at kmart. Tom wants to know whats happening. Thank you so much. We will be right back. Stick with innovation. Stick with power. Stick with technology. Get ththe flexcare platinum. New from philips sonicare. [ engine revs ] [ male announcer ] the rcedesbenz winter event is back, with the perfect vehicle thats just right r you, no matter which list youren. [ santa ] , ho, ho, ho [ male announcer ] get the allnew 2014 cla250 starting at just 29,900. Yep. Got althe cozies. [ grandma ] with n fedex one rate, i could ll a box and ship it r one flat rate. So i kn untilt was full. Youd be crazy not to. Is tt nana . [ male announcer ] fedex one rate. Simple, flat rate shipping with the reliability of fedex. To. Gerri that big and ugly storm moving into much of the eastern u. S. Could impact of thanksgiving travel. Is this nasty weather that might be hurting your holiday plans. Yasir question on gerriwillis. Com. 8 percent said yes, 92 percent said no. Log on to our website. And finally, i dont know about you, but i am tired of being everyones back a plan. Reports are suggesting big banks might start charging even more fees because the Federal Reserve may be a little less generous. Frankly, is hard to imagine them being more generous which brings me to alan greenspan, former fed president presided over the dot com bubble and was accused of keeping rates too low to long. You remember, failing to take away the punch bowl. His comments to peter barnes today, deeply surprising. I hope it works. That is heavy handicap the likelihood of his success. You know, qe2 forever and zero and no Interest Rates. I have to tell you, that is worrying. Market. Is focused on the risk the holidays coming up. It is a bad time to make sure you are covered in case as mr. Greenspan says it does not work. That is my 2 cents more, and that is it for tonight on the willis report. Thank you for joining us. See you right back here tomorrow. Have a good evening. Good evening, everybody. Im Ashley Webster internet for lou dobbs. President obama receiving more potentially devastating news regarding his Controversial Health care law. The Supreme Court announcing that obamacare is back on the docket, and the question of whether or not the president s signature law and in fringes of religious freedom will be decided. Announcing today a bill will take up the dispute of the u. S. Businesses claiming religious objections over the laws contraception mandate. That issue has divided the lower courts, Oklahoma City based