0. 719 andrew and we have numbers to bring you this morning from United Health group just out with its quarterly numbers. Reporting Quarterly Earnings of 3. 51 per share. It beat the consensus estimate of 3. 09 revenue also above forecasts, saying that medical care trends that had been disrupted by the pandemic are moving closer to normal you are looking at that stock up just marginally this morning and we have three more financials, bank of america this hour, Goldman Sachs in the 7 00 hour and then wells fargo in the 8 00 hour. Joe. Thankthanks, andrew. Another Clinical Trial halted over safety concerns, eli lilly late stage trial has been paused by u. S. Health regulation tors it used a Health Sample from one the first patients recovered from coronavirus ill given you more details. Because it leaves out something important. Of the trials ongoing of the antibody, they decided to add remdesivir along with the antibody and that is when they had to halt the trial for some kind of safety issue but a lot of people talking about this is a different mechanism. This is similar to what President Trump got. It wasnt a lilly antibody, it was a cocktail antibody from regeneron. But he also got remdesivir so it was the combination of remdesivir with the antibody where they saw some issues the antibody tests are continuing i believe in the u. S. And havent been halted. But astrazeneca and rejgeneron are also testing antibody treatments and news of the pause of Johnson Johnson. And according to reuters, u. S. Regulators who visited one of the companys manufacturing plants in november of 2019 found in their words serious quality problems, the report says that the issue could jeopardize request for emergency use authorization. That said, just important to note that this was a combo it was testing the antibody and adding remdesivir to see whether that actually would even shorten the hospital stay more than just the afternooni antibody or remdr alone. I was so confused by this because we spent a lot of time on the show yesterday talking to Johnson Johnson about you how they had chosen to pause their own trials and how that was different from a hold. Because a hold would be something that would be determined by regulators and that would be the definition and then rely lilly came out later in the day and said that they were pausing it and it was because a regulator was asking them to pause it so all the time we spent yesterday kind of making that big distinction between a pause and a hold, by the afternoon, i was like what is the difference, were still talking about a pause at this stage. And one is a vaccine, would be is a therapeutic. There werent many people in this trial at this point, i think it was 300 and change, they hadnt gotten too far along with it. And it is sort of an addon trial. I think if you saw a problem monday kn monoclonal antibodies, there was an immune response and there have been problems, you know, concerns about using antibodies and whether your own body would have an issue with it. But i dont think that this i dont know i dont know if it is the combination of remdesivir with the antibody or whether it is the antibody or the remdesivir although remdesivir has gone through some pretty good testing, safety testing. So we just didnt know where is meg we need meg on this. We need her or gottlieb or exactly we got three hour, well find them me and len are friends now. He messages me about things, makes comments and stuff pretty funny hes great. Yeah, hes great. In terms of the safety profile, there are more questions than answers from this. I dont even think that we mentioned that it was in conjunction with remdesivir. And that is an important point because i think that the other very important point. The idea has been all of these ceos youre the only one with a delay now. What have you got, andrew, how did cant you tell her how to do this, what happened in did you did you turn a nobody depends on the level of your internet connection. I dont have comcast, i have verizon. Oh, low blow in the morning i have internet how could you not it is the rollsroyce of connections. If i didnt live in a com cast area, id move you know, i dont care about people come in, how are the schools . No, no, no dont worry about the schools, do you have comcast. Exactly taxes are high, but cable is great, internet is great gla a. And walmart announcing their plans for black friday you wont see the door busters that you have seen they will limit customers to 20 in the stores. They will ask shoppers to stay to the right hand side of aisles to help avoid contact. Shoppers will be required to wear facial coverings. And they will direct more people to shop online they will hold three different holiday sales events during november, each one begin on the website and then hit stores a few days later when we come back, apple rolling out its 5g iphones, but is it enough to spark an upgrade cycle . Well break down the new features and later this hour, my interview with bill gates. He covered a range of topics from the pandemic to potential treatments and vaccine development. And now here is a sneak peek we wont be totally back to normal until we basically eliminated this on a global basis because even countries that have competent responses like south korea, australia, theyti s sllee infections coming back from time to time you can go your own way go your own way your wireless. Your rules. Only Xfinity Mobile lets you choose shared data, unlimited or a mix of each. And switch anytime so you only pay for the data you need. Switch and save up to 400 a year on your wireless bill. With the carrier rated 1 in customer satisfaction. Call, click, or visit your local xfinity store today. The long awaited 5g. Phone is here. Four new models range from 700 to more than 1,000. But the range of cameras and display sizes, the 12 pro includes a lidar scanner it says joining us now, todd hazelton, Digital Product editor what have you i dont know how to say this gently what have you played with in terms of the phones . Good morning, joe what do you know about this so i know what apple told us yesterday. I should be playing with it soon, but i have used some of those features on earlier products like the ipads. On the pro models, that allows you to scan a room if you wanted to place furniture with augmented reality and kind of see if it will fit before you buy it and i actually used it when i was designing a nursery for my baby during quarantine here. So it is kind of useful for that but mostly it should be used for taking better portrait photos. But i think the biggest topic was probably 5g. And whether or not people need to upgrade for that. And my point of view on it is not yet. And i think apple knows that too. It is saying that developers will build experiences, but right now, my big question is what can i do with it. Ive talked with a lot of companies and arent really gotten a straight answer all the time different camera sizes, different features my usually canary in the coal mine on this is sorkin sorkin, 1100 pick, are y o00 bu that or are you not ready yet . For me this is a super cycle only because im behind. Im a good year behind as you know, im usually right on the next phone, but ive waited so here i am and this phone unfortunately is getting a little slow on me processorwise but im with toed todd, the 5g components, im notsure that that drives me i think a year from now that will be important. And i wanted to ask about the throttling that they will be doing between 5g and 4g. To try to save battery life, they will put you on 4g anyway so only serb momencertain moment they will try to find 5g if they can. And i was going to can how you think that will work and in what applications they will try to seek the 5g and then when will they put you on the 4gchl anywa. Face time will be clear video, usually you had to have wifi for that and this is one of the reasons why 5g is not bigger in the 4g, it is in the same area especially with tmobile right here, i can have 4g on my iphone and 5g on some of the other phones i test. Oftentimes the speed difference is negligible. So it will come down to when networks get their mid band spectrum, and then there is verses millimeter wave where you are getting 1,000 megabytes per second and the benefit then is that you can download movies really quickly, podcasts, music really quickly and your phone can automatically do that. Turn on when to sees 5g. But one of the big things now, were all at home during a pandemic, so these use Case Scenarios are kind of off to me. But , it will be important in a couple years. People own phones two or three phones, so there is a big group of people ready to upgrade and they will hold on to their phones long enough for 5g to really matter. So i think that is why there is a super cycle here and then a lot of great features like the cameras and stuff that people usually like. What is a suppuper cycle wor 3 trillion . I dont know. Could be but i think more so is Apples Services business as weve seen, im mostly excited for their pro bundles or apple one bundles where they include news plus and are arcade and all that. And fitness plus which seems like peloton where you can work out on your ipad and see all the stats in your apple watch. Very good at locking you into their system and what did you make of the magnet system on the back, the charging on the back, is that going to be fast ultimately, just plugging the thing in, and did you buy i watched the whole thing yesterday. They said that we wont include the charger anymore, we wont include headphones because there are billions of them all around the world already and were doing this for the environment i thought that was maybe true, bii also thought that you will save a small fortune and charge me more anyway yeah, the catch 22. Apple has this promise to lower their carbon footprints, but on the other hand, like here, spend 20 bucks on a new charger instead of us putting it in the box. But i do have a desk full of headphones, that is me, but a lot of people probably did were a moving on to airpods anyway, so why put the wired buds in if people arent using them back to the magnet, i thought that was kind of cool. Right now wireless, you put it on the pad and sometimes it gets knocked around so this makes sure that it is locked on the charger and then gives you 15 watts of charging compared to 20 when it is plugged in and that speed is twice what it was last year. So figure you are charging half the phone in an hour, a little over an hour which is pretty good and that is on par with what you are seeing on android too. So brings apple up to speed with its competitors. So you dont plug it in yeah, Wireless Charging has been for a while, but your best bet is to plug it in if you really need to charge quick before you get out of the house. When question get clowe get , will you read a Christmas Care for us with that sweater some did you smoke a i have a fire behind me could you smoke a pipe or would you start . I could start again i never smoked a pipe. I havent seen anyone at home with a chair like that, a big comfortable soft and then you have the sorkin sweater of the month. Just a good look overall thank you im working on it for you. It is like a tech you should be a tech guy, you should cover tech stuff i think lucky that is what i come andrew, you got more things, im telling you, mor streams that you can shake a stick at well do a sweater of a month club beat put it in a box on for you. I love it i have a whole closet full of blue sweaters. Todd, thank you give our best to conan, tell him he is still funny and well hopefully see you again soon coming up, facebook cracking down on antivaccine ads, detailings after the break and then tonight, shep smith is examining the effects of the pandemic on u. S. Airlines and essential workers trying to keep america flying tonight at 8 00 p. M. vo im a verizon engineer and today, were turning on 5g across the country. With the coverage of 5g nationwide. And, in more and more cities, the unprecedented performance of ultra wideband. The fastest 5g in the world. It will change your phone and how businesses do everything. Im proud, because we didnt build it the easy way, we built it right. This is the 5g americas been waiting for. Only from verizon. Omnipod delivers insulin through a discreet waterproof pod. To help simplify life. No more daily injections. Its gamechanging. And the wireless controller helps deliver the right amount of insulin. Plus, take your insulin anywhere with a small tubeless pod. Get started with a free 30day omnipod dash trial today. Go to omnipod. Com for risk information, instructions for use and free trial terms and conditions. Consult your Healthcare Provider before starting on omnipod. Simplify diabetes. Simplify life. Omnipod. Facebook said it would ban ads that discourage vaccinatiad s advantage sinizativaccinations an interesting step by facebook. Im sure folks will be on both sides of that debate becky. And we have a big lineup still to come, i spoke with bill gates yesterday. And eli lilly news just coming out as we mentioned earlier, about how they have put a hold on part of what they are doing in the antibody trials that they are running along we regeneron and the Gates Foundation has cut a partnership with eli lilly to try to make sure when they do get approval with antibody, it will be something shared with low and middle Income Countries as well. So well bring you that reaction everyone what th even what they are talking about big tech regulation. And later this morning, ron baron, jay which i clayton, Glenn Hutchens a hugelineup still to come hey, dad hey, son no dad, its a video call. You got to move the phone in front of you like. Like its a mirror, dad. You know . Alright, okay. Hows that . Is that how you hold a mirror . [ding] power e trade gives you an awardwinning mobile app with powerful, easytouse tools and interactive charts to give you an edge, 24 7 support when you need it the most plus 0 commissions for online u. S. Listed stocks. Dont get mad. Get e trade and start trading today. Time for the executive edge. The worlds top ranked golfer, dustin johnson, tested positive for the coronavirus and withdrawn from the tour event in las vegas. He said that he was experiencing symptoms so he notified the tour so he could be tested. He won the fedexcup and tied for sixth in last months u. S. Open. He was one of the favorites. Doesnt have his beard there we wish him well he missed the masters one other year when he actually had an injury, i think it was his back or something slipped in his stocking feet ive done this, you slip and just throw something out but that happened at the masters a couple years ago hope he gets to play this year he goes a totally different way at the masters just takes a line to the hole that some people cant even think about. When is the masters this year i think it is the week after the election i think. I think it is like november im not sure november 12th. So soon he could definitely still recover and come back. Hopefully hell be he is young, so i think hes pretty healthy. Hopefully. How gun gentlemdo you know gene. Coming up, who talked to bill gates . You know who becky talked about his found days efforts to treat the coronavirus. Hear the Biggest Challenges ahead. Plus well get results from bank llfao. Rica, Goldman Sachs and wes rg might even talk about Net Interest Income again. As business moves forward, were all changing the way things get done. Like how we redefine collaboration. How we come up with new ways to serve our customers. And deliver our products. But no matter how things change, one thing never will. You can rely on the people and the network of at t. To help keep your business connected. This was the theater i came to quite often. The support weve had over the last few months has been amazing. Its not just a work environment. Everyone here is family. If you are ready to open your heart and your home, check us out. We thought for sure that we were done. And this town said not today. Akeeping your oysters growing. While keeping your business growing has you swamped. you need to hire i need indeed indeed you do. The moment you sponsor a job on indeed you get a shortlist of quality candidates from a resume data base so you can start hiring right away. Claim your seventyfivedollar credit when you post your first job at indeed. Com promo the bill and melinda Gates Foundation has committed 350 million to coronavirus response. Much of thisfocused on the rac for a vaccine or for therapeutics i spoke to bill gates on this work for the last seven months including the news about a pause in two promising Clinical Trials and what concerns him most right now. The bad news is that the fall is going to be worse that is, the death rate will go up in most of the country. The good news is that these tools that can help in a pretty big way, the monoclonal antibodies and vaccines are get being closer so in the first half of next year, we should are volume of both of those assuming at least a few of these trials go well. Eli lilly Just Announced a little while ago that they will be putting on hold their antibody trial that they are running right now because of safety concerns. It is being done at the advice of an independent body and i know that that is a company youve been working with at the Gates Foundation to get doses out to low and middle Income Countries yeah, eli lilly has been a fantastic partner. And so hopefully that trial hold which is not that surprising, those happen all the time, but hopefully it doesnt turn into something that holds back a product which if it is safe has the chance to reduce the death rate quite substantially. How does the partnership with the Gates Foundation work with eli lilly . How much supply can you get out and this is i think something that is due by the spring of next year. Yeah, so we last spring put forward several 100 million to fuji films to plea sevreserve t factories. We werent sure which antibody would look most effective particularly in a low dose and as we worked with all the different antibody companies, we ended up picking eli lilly as our partner and so that antibody has gone into the factory we reserved and it will be until 345r7b8g before we have substantial volume and i