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Patient to decide what kinds of healthcare is best for them. you saw the report about the kidney transplants. megyn: how does it take away the choice. if people who live in vermont want single payer. then that's what they are going to get and they will push that through. there is -- florida is not going to push through single payer in the wake of this dispensation from the obama administration. >> how do you navigate 50 states with 50 different plans. >> with single payer, some opt in, some opt out. you still have this under the auspices of the federal government. you can't have the federal go...

Effect today. should people sign up if they're not prone to overdrafting accounts? >> you know, i guess. banks have made $20 billion in fees last year over these overdraft fees. it's something that been a pet peeve. they created technology to reduce cost of banking yet fees are regressive taxes. they hit people who take out smaller amounts of money harder than they do larger amounts of money. if you want protect, go ahead and opt in. a third of the respondents surveyed say they will not opt into these programs. >> okay. we always opt for you, though, let me assure you. well, runway models in...

Your account sooner than you thought which is why overdraft was a huge business. 18% of customers use overdraft and last year it was an almost $40 billion business. >> yeah. because sometimes they don't figure out these checks in the order in which they come in. you're right. it's about the amount and that can help out the bank's bottom line. if you don't opt in, what happens? >> well, you will be declined. remember back in the day when you take your plastic and you would go and swipe it and they would say, i'm sorry, you've been declined. >> awkward. >> yes. but that is back. and for folks wh...

Intellectually honest although i'm not show sure she's prepare ford that yet. >> ron christie, what's your advice here? >> my advice is she needs to be a lot more specific what she's for as opposed to blaming her opponent and needs to learn a lot more about what privatizing social security should do. she should have said a certain percentage, jack says you're going to have people in cardboard boxes. you're not with 2% of a voluntary system where people are allowed to opt in. what about harry reid? what about him saying that president obama was a pleasant negro who was nonthreatening to highway...

>> all right. but this sounds like this could be an easy way to kikt with more product, services and people you like. friends of yours are doing restaurant reviews. maybe you want to know what they like or don't like. what's wrong with that? >> that's a good question you raise, john. the issue here seems to be you're not given a choice. you're simply thrust into the issue, whether or not you want to. that's what has the senators concerned. they're saying what if aggressive marketers get after you. scam artists, internet stalkers connect you this way. what do you do about that. listen to what m...