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Definitely adds three primary benefits to the system. one is it's more encryption. so the credit card information would stay encrypted longer and make it much more difficult for the hackers to obtain that information. so that's a big benefit of chip and pin. >> the other problem is cost. credit cards with chips are more expensive. card companies don't like that. and retailers have to install new termals to read the new cards, and they don't like that. >> thank you, rich, very much. we have a cybersecurity analyst and vice-president of the internet security firm, karusa.com. >> this is the kind...

Almost $108 million. >> from lost money to stolen money. eight people charged for their alleged role in stealing 45 million friday atms worldwide. their secret? your pin number. our cybersecurity analyst explains how it went done. let's start with how it happened. how did they do it? can you make me -- i'm a layman, can you make me understand this? >> it looks like they broke into a couple banks overseas, were able to get some form of administrative rights over a variety of different accounts, which allowed them to increase the amount of withdrawal that could occur at an atm machine. from ther...

Cliff potential calamity that is consuming all of washington right now. for me the most interesting thing he said he is not concern about his job as speaker. there has been suggestion that grumblings in the republican party could cause him to lose his speakership over the way he is conducting negotiations with the white house. but he held very firm there to the idea that he does not want to see and his conference he says does not want to see new taxes imposed on the job creators in this country, the top 2%, that the white house says, it wants to impose. so the two sides apparently remain at lo...

Warns that the apps your kids are downloading could be actually spying on them, giving game-makers detailed information who your kids are calling, what they're buying and where they located. so is this right, should something be done about this? lawrence walters is first amendment constitutional attorney. morgan wright is tech expert and cybersecurity analyst. morgan, let me start with you. this sounds dangerous. it makes parents dangerous when they think somebody could be tracking their kid's wears about. is it as dangerous as it sounds? >> it depends on the parents monitoring what their ch...

You were going from my e-mails six months ago? >> well, if they're prior to six months then of course you need a warrant and you follow the requisite procedures. you would enlist the court's support. if they're older than that they're deemed to be banned doned and not subject to the same protections jenna. jenna: morgan, you're the cybersecurity analyst we call on when we talk about terror threats online. there is big argument for more government regulation and is access to cyberspace to make sure we can act quick enough to catch up to people who really want to do us harm. what is the right ba...