gmortgage rates have dropped to near record lows. refi now at newday usa with no income verification, no appraisal, and no points. >> trace: fox news reporting rolling on. praise pouring in from both sides of the isle for congressman elijah cummings. even some of his fears just rivals paying tribute to the maryland democrat. we are live on capitol hill with a look at his life and the loss of a passionate american voice. also 30 years after an earthquake in california killed dozens of people and injured thousands more, a new system is sending life-saving alerts to the palm of your hand. but first, fox urgent. we're watching for development