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Buck stop? tom forman has been trying to figure it all out. it would seem like an easy question to answer. but it isn't. but how did it go so wrong? >> it would seem that way. we know this. the obama care girl who was on the cover here, smiling young woman who embraced the federal website, has disappeared. we don't know why. maybe she's not smiling amid all these problems, but it's just as well. because too many people were involved with this from the start. that's what we're learning. how did this go so wrong? in a perfect world most agree that it should have gone like this. the white house, ...

But we got around them. our country does have a serious problem, however, with access to quality health insurance and it's not being caused by websites. all of the computer programmers in the world aren't going to be able to help the 180,000 hoosiers who fall into the affordable coverage gap because indiana isn't expanding its medicaid. of course that's nothing compared to georgia's 400,000 people who aren't going to get anything or florida's 760,000, and then of course there's texas. texas is always the best. and they're not going to be outdone. texas boasts 1,046,430 people who will simply g...

>> in a 21st century, setting up a web site where people can buy something is not that complicated. people do this every day. the inability of the federal government to set up a web site where people can go on and buy something like health insurance does not bode well for the much moyer complicated elements of this law that are yet to be rolled out. >> actually, i talked with a computer expert who says the enrollment online experience isn't related to the rest of obamacare, but he says the enrollment form is so simple he can't figure out how to the government spent $200 million on it already, ...

The 165,000 jobs added in payroll don't count is the growing number of americans working in the so-called shadow economy, nannies, construction workers, retail clerks and unskilled labor work for cash under the table and don't report their income to uncle sam. today's shadow economy has become much more than those professions. zain asher joins us with more on this. >> these are people with college degrees we are talking about. computer programmers, graphic artists, even tax accountants, which is ironic because they don't always pay taxes on their income. the bottom line is they're still workin...

About graphic artists and tax accountants. they don't always pay taxes on their income but they're still working, still making a living. they're just doing it off the books. who are the people working in america's shadow economy? it's probably not who you think. >> the shadow economy isn't necessarily comprised of people making $5 here and $10 here. it's designers, computer programmers, tax accountants making tens of thousands of dollars but who prefer to do it off the books. >> reporter: he's a professor of sociology and dedicated his career to studying criminal side of the u.s. economy. he's...