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That they are part of al qaeda now. >> we know there was a warning recently from al zawahiri. do we think this may have been connected to that? are they acting at his direction? >> i think there was a lot of interesting similarities between what ayman zawahiri instructed al qaeda affiliates to do and what they did. said attack western target. this mall is considered a western target. try not to kill muslims. kill only infidels. that's exactly what they appear they are trying to do. and also at the same time he said take hostages. and if you look at the way they conducted this new modus oprandi...

Waiver. so they're picking winners and losers constantly. is it fair to the american people? absolutely not. but this is their modus oprandi -- operandi. your best interest not necessarily my best interest. >> what are we going to do? more than four in -- one in four homeowners are under water. if you bought a house in 2006, 2007, you're probably under water on your mortgage and there's no end in sight. how long are the americans going to stay under water without no outcome, no bright outlook? >> primarily what's supposed to happen is folks that -- folks have the 6 percent, 7 percent, 8 percen...