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>> neil: to drop the whole tobacco. >> but they still make cigarettes. they still do. companies like pizza hut that have become the hut. radio shack has become the shack. one company after another. pizza hut and radio shack wanted to broaden their offerings. that's legitnate. >> neil: we're going through it. we'll go through some of the examples of late. bob touched on a couple of them. what they were before and what they are now. this a theme companies think they can do better as a result. >> they can't do better. substance makes the difference. no matter how much money you put into it, if yo...

>> neil: you heard it. toyota top u.s. testifying today. akio toyoda, the head honcho in japan is expected to do tomorrow. they say it won't help them damp down the lawsuits. talking about analy analyst jud andrew napolitano. what does it mean when you apologize for something? >> that you're trying to lessen the anxiety against you. that is the p.r. version as bob said. but legally, it means you're admitting that you did something wrong. and that admission; particularly, in this case, where it's stated under note, makes it easier for people to sue it. or it may make it easier for prosecutors t...

About that. starting a financial, the stuff financial people put out, children cost so much! $238,000! all that. they don't. diapers and the mandatory you have to pay, the porsche patement to the pediatrician every month, other than that, not bad. it wouldn't gauge if everything is going okay with your money when to start kids on money basis. >> neil: by the way, you don't have to share food with them. anyway, dave, very good to see you again. my friend, dave ramsey, star of radio and tv. thank you, buddy. >> good to see you. >> neil: all right, time for toyota to take a cue from acorn. report...