neil: we're up 14points right now. joe piscopo must be good for stocks. -- 143 points. we have gerri willis. >> five days before super tuesday do-or-die time for the candidates trying to take down donald trump. i'm gerri willis in for trish regan. welcome, everyone to "the intelligence report." marco rubio and ted cruz will have their chance during tonight's debate in houston but is it too little too late? we'll get to that. plus apple ceo tim cook is defending his company's decision to refuse the fbi demand to help crack the encrypted iphone of the san bernanadino shooters. >> some things are hard. and some things are right. and some things are both. this is one of those things.

>> and political correctness run amok as public university cancels a conservative speaker after liberal activists protested. what happened to free speech? gerri: joining me now ford o'connell and chuck rocha. let's start with blake burman in d.c. blake, the debate tonight in texas, is this not a do-or-die state for ted cruz? reporter: well, gerry i put that very question to the cruz campaign earlier today. a top cruz aide would not go that far unsurprisingly. they said they hoped to do well in texas, is how they put it. looking to endorsement of the governor of state, greg abbott who has a strong relationship

with ted cruz. the can diet has not been bash if you recall talking about the significance of texas and it is 155 delegates, more than the early four states combined. cruz said tuesday will be the most important day in the presidential cycle. >> the crown jewel of super tuesday is the great state of texas. [cheers and applause] 155 delegates, nearly 15%, of what's required for the nomination, will be decided, by the men and women in this room and the people all across this great state. reporter: a poll out today from monmouth university has cruz more than holding his own in his home state. it shows him with support of 38% of texas republicans there. donald trump at 23. marco rubio at 21. but the important number here, gerri is 20. 20% is the threshold any candidate needs to clear in order to receive delegates from texas come tuesday night. back to you.

gerri: blake, thanks for the great reporting. turning to chuck and ford. ford, i start with you. you're seeing numbers, right? trump has been like a freight train. he is on a role here taking three states. is there anything candidates can do at this point to stop him? >> they can start winning. that is best way to stop donald trump. gerri: beyond that my friend. trump. >> donald trump is not inevitable. for ted cruz super tuesday is needs to take home the most delegates the southern strategy is so important to him. problem for ted cruz, guess what? donald trump is appealing to evangelical voters. gerri: chuck to you, campaign calling it a crown jewel, super tuesday, can either candidates really bring down trump? do you see it happening? >> it will be hard. they're working against math. they're working against timing. it is running out. sure there is a lot of delegates

available on super tuesday, after that it is winner take al. they need to do something abrupt and tonight. they need to take out the king if they want to be the king. they need to focus on him and focus on taking him down. they don't have enough time yet to make this thing a long slog. the way the republicans have it with winner-take-all after super tuesday. gerri: rubio, for example, has not gone after trump at all ford. do you see him doing it tonight? >> they have to. rubio and cruz have to stop the little squabbling amongst each other. every time they squabble trump laps them. cruz and rubio will have to turn the collective fire on trump. they need to start with breaking up the myth that donald trump is great businessman. they have to turn around basically say will trump help the little guy or he is a con artist? gerri: i want to get to this bombshell that came from mitt romney. we talked a lot about it yesterday.

neil cavuto interviewed mitt romney. here is what romney had to say. >> we have good reason to believe there is a bombshell in donald trump's taxes. >> what do you mean? i. >> i think there is something there, either he is not anywhere near as wealthy as he says he is or hasn't been paying kind of taxes we would expect him to pay. the reason i think he is a bombshell in there, every time he is asked about his taxes, he dodges, delay, says, well, we're working on it. gerri: we're working on it. chuck, to you, i think this is very curious romney going after trump. what do you make of it? >> tabloid headline, romney and hillary team up to take down trump. talk about what the establishment is, mitt romney is the establishment. they're not happy what is happening in trump world. they're trying to come up with something to take hum down. they want their golden boy rubio to rise to the top. it is concerted effort by the establishment wing of the party to take down donald trump. if they will not do it themselves, outside people are weighing to take down someone who scares you know what out of

the establishment. >> i can't believe i'm agreeing with chuck on that. guess what this is about? casting doubt on donald trump's vision. that he will be the guy making america great again. is he really questioning whether he is a great businessman or some buy with a silver spoon in his mouth and whether he will protect the little guy or just a con artist. this is grenade to start the questioning process. whether or not it is successful we won't know. time is running out for cruz and rubio. gerri: it's a grenade, for sure, but chuck, there is no evidence? where is the evidence? you throw a big bomb out there? i think -- where are his taxes? we don't even have numbers. there is no hard information out there to criticize. look, i'm not saying that i'm standing behind trump. i'm saying it is very odd to see mitt romney do this because he is not usually a bomb thrower. >> no matter if you're a democrat or republican like my friend ford, cardinal rule, get out, identify show who your opponent is before you do.

this is ugly game not based on truth. they need to run on stuff they stand for. ugliness of what politics is. that is why the american population is seen a rise of trump and bernie sanders. there is whole group of americans feel like their government don't speak for them. >> where is the proof that cruz and rubio are not natural born citizens? that is the point. gerri: well have a lot of fun days coming up here. ford, chuck, thank you for coming on. see you soon. >> thank you. >> thank you. gerri: there is a lot on the line on super tuesday, voters in 11 states going to the polls to award nearly 600 delegates. donald trump has a sizable lead in every state except texas. as he lives up to his promise of winning can the billionaire be stopped? that is what everybody is asking. fox news media biz host howard kurtz. joins me. the media decided trump will never lose.

seems only three months ago they were saying he can never win. where is the truth? >> con from impossible to inevitable. certainly in very strong scenario right now. new media scenario possibly could maybe lose if he got one-on-one with for example, marco rubio. wave the magic wand, shove the otherwise out of the race that rubio could consolidate anti-trump sentiment, based on my reporting trump campaign finds that very amusing. >> we've been looking at numbers and what i find so interesting when you look rat polls in other states like -- at polls in other states, new jersey, massachusetts, trump is rolling up numbers that beats entire field, right? >> i was going to cite those. trump at 50% in massachusetts. 38 in new jersey, rubio 11, cruz 10. doesn't matter if you combine their votes. media at least view of people around trump trying to have it both ways.

trump may have won 46% in nevada caucuses that means half of republicans oppose him. 79% of those who doesn't vote for marco rubio in nevada oppose him. trump is growing his share, trump has in each succeeding contest. as people drop out, so-and-so will get all of supporters of that candidate. trump will get his share as well. so i don't think there is a magic bullet here other than wiping the floor with them in the debate tonight, and or racking up some important delegates wins on super tuesday. within on one thing if it happens will not suddenly turn the race upside down. gerri: i love what you write about rubio and cruz being in a demolition derby and i think that is exactly what is going on. i keep asking people when is rubio growing to come out swinging against trump? when is that going to happen? what happens if we have the one-on-one? you mentioned this before. >> this is risky strategy for rubio. he saw what happened to cruz. cruz got into a street brawl with the guy and his numbers has

gone down. i don't think rubio has a choice. he says i don't like to attack republicans this is contact sport and if he doesn't go against trump and do it very quickly and florida comes up and he may lose and at that point the whole ballgame is over. gerri: trump is not attacking rubio much. that is matter of time, right? >> trump takes a few swipes. swipes a lot in debates. trump is classic counterpuncher, rubio is not attacking him, let the cuban-american senators go at it and i will soar above them in this demolition derby. gerri: you bring up the cuban senators, why, in south carolina, rubio and cruz can not take majority of hispanic voters is shocking. what is your reed of that? >> that is stunning statistic. exit polls are not perfect. donald trump created so much controversy on day he got into the race, comments about mexican immigrants, running against two cuban lawmakers win hispanic

vote. flight cruz or rubio are taking advantage of their natural ethnic appeal. gerri: howard, you and i will watch this with great interest. it is so fascinating, we'll talk to you again soon. >> good to see you, gerri. gerri: don't forget to watch "mediabuzz" on the fox news channel at 11:00 a.m. and 5:00 p.m. eastern every sunday. let's check on those markets. take a look. the dow is up 132 points. good news there. the s&p up 12. nasdaq is up 15. good day. stocks jumping after oil rebounding. they always same to travel together, don't they? coming up apple ceo tim cook says government demand as the to create special software to ask crack the terrorist iphone, liking asking them to make the software equivalent ever cancer. amid reports that company is creating brand new security measures to make it impossible for the government to break into a locked iphone.

that's next.

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>> this would be bad for america. it would also set a precedent i think many people in america would be offended by. it is in our view the software equivalent of cancer. gerri: wow. so apple ceo tim cook saying it would be bad for america if his company were to comply with the fbi's demand to unlock the iphone of one of the san bernanadino shooters. cook went on to say he is ready to bring his fight to the white house and the supreme court. this as fbi director james comey says this is a tough issue and there are no demons in the fight. liz macdonald has been following the story. joins me with the latest. liz? >> tim cook, saying from apple's perspective, this too is public safety issue. basically using fbi's own

language and words there, because he is essentially saying that, you know, privacy and security of iphones and apple devices is a public safety issue because of hackers, because health information, financial information is on the phone. but you know jim comey at fbi is essentially taking apple's own words and is countering it and rebutting it as, basically just saying everything tim cook said in the abc interview is essentially wrong. listen to what james comey, fbi director, just testified to this morning? >> this is the hardest question i've seen in government and it will require negotiation and conversation but i've been very keen to keep the bureau out of the policy making business. reporter: what he is saying here yes he, there needs to be a legislative fix, gerri. james comey says we're not trying to send a broader message. not trying to set a precedent with the san bernanadino terrorist iphone case, county

health department owns and given apple's permission to access. he is saying essentially the judge, court order from the judge directed apple to write code, software only for that one phone. and he is saying, james comey is saying that code he thinks, that idea it would get out into the wild, according to his own experts, they're saying that is not the case. that that is wrong. that essentially apple would retain, you know, custody of the code. gerri: right. >> withering comment from james comey, he said that apple has done a pretty darn good job of protecting software code to date. you don't see apple software out in public at all right now. gerri: lizzie, you've done a great job covering this story. our viewers are fascinated, rivetted by this so i want to ask you this. apple ceo called for commission. there is conversation about having legislation for congress. all of that could take a very long time. in interim, we could have

terrorist attack based on information in the terrorist iphone. gerri: yes. and -- reporter: yes, the fear the issue will get entombed in a commission study sort of like social security reform. no one likes to live in east german state where governments does surveillance. nobody wants that. however we know for years the telecoms and banks have been giving information to law enforcement when it is national security issues. when there is a fear, there will be another terrorist attack. these san bernardino terrorists are hoarding pipe bombs and military equipment. the fear is there was broader plot in the works. so that is what is at issue right now. gerri: liz, great stuff. thanks for coming on. >> sure. gerri: coming up, directors of the fbi and cia on capitol hill today on rising threat of isis and the national security implications of the government's standoff with apple over unlocking a terrorist iphone. that's next. choose world.

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gerri: standoff we were talking about before between apple and fbi hitting capitol hill today. the directors of fbi and cia that is, testifying before the house intelligence committee on the terror threats facing our nation and front and center of hear something apple's refusal to obey a court order, much to the frustration of fbi director james comey. peter barnes in washington with the details. peter? reporter: gerri the fbi direct said this case is no about setting a precedent and doubts the case will do that because technology is moving so quickly. so he said policymakers need to settle the issue with legislation as you and emac were talking about but finding right balance between personal privacy and encryption and law enforcement is the hardest question he has ever seen in government. >> all of us in the intelligence

community have been talking about to sound and alarm because we see increasingly in our national security work and bureau has significant criminal responsibilities, in our criminal investigative work, increasing situations where we can not, with lawful court orders read communications of terrorists, gang-bangers, pedophiles, all different kinds of bad people. reporter: comey said policymakers need to understand cost of inaction and if there are other attacks at some point, quote, don't look at us five years from now and say where were you guys when this happened? but he deferred on any specific policy recommendation. gerri? gerri: peter, thank you for that. here with more analysis let's bring in retired lieutenant colonel ralph peters. colonel, thanks for coming on the show. i think this is fascinating because you're in a situation here where we have these threats obviously, we can do something about them but now will we even

have access to the information? do you believe apple should comply with this court order? the. >> 100%. like hillary clinton, apple can not be above the law. and i am revolted by tim cook's pretense at an ethical stance on all this he is protecting the american people. no. apple is protecting terrorists, and drug cartels. and, murders and criminals. i would love to ask, tim cook one question, gerry. -- gerri. mr. cook, if the people you love most in the world were murdered and one of the killers dropped a smartphone on the site of the murder, wouldn't you want the cops or the fbi to be able to read the data on that phone? i mean this idea that he is protecting the american people is nonsense. he is protecting apple's brand, and apple is selling products to some very, very bad people around the world. this, i worked in intelligence for over 22 years, gerri.

we don't spy on the american people. we don't do it. we just don't. we protect the american people. but this myth has been propagated that the government is always snooping on us. so that the tech giants have turned this into a nation of narcissistic exhibition its posting nude selfies on internet and worried about the government snooping on us. gerri: i hear what you're saying and i'm really taken by your comments and the fbi director's comments that the people really benefiting from this are pedophiles, murderers, really truly bad guys. >> yes. gerri: i don't really understand why, why these companies, apple, now getting support from microsoft, are they being so defiant in the face of, this government effort to unlock one cell phone, just one cell phone? >> well, because secrecy sells. for apple, this is about branding. i mean, it is selling to terrorists but also selling to

every pathetic husband who doesn't want his wife to know he is trolling porn sites. we have obsession with secrecy. we lost sight of the fact bad people are exploiting secrets. i don't believe everything should be out in the open but i do think congress will eventually come to terms with this. we'll need some sort of licensing form. we simply can not allow, can not allow terrorists and drug cartel leaders and mafiosi to use this secrecy against it. as director comey talked about, there will be a incident and people will be crying intelligence failure. we are preventing our intelligence personnel, real professionals, patriots from protecting americans. tim cook is not protecting americans. tim cook is protecting apple. gerri: you make a good point but as i said all of silicon valley seems to be lined up against the fbi here. >> yes.

gerri: isis, just let me mention quickly here, and i want to hear what you have to say about it, direct threats against mark zuckerberg, jack dorsey, leaders of the tech community. isn't it ironic those people are being threatened and yet they don't want to do what they can to help fight the fight? >> it is about business. certainly ironic. and hypocrisy, thy name is silicon valley. while they spin this myth about the government snooping on us all, in fact, who are the great data collectors on americans? google. google. i served in the military for almost 22 years, in military intelligence. the government has all my military records. google knows more about me than the federal government does. gerri: okay. >> facebook. they're the ones are stealing our data and selling it and profiting from it and they're blaming the government? gerri: i can just see the emails coming in now. it is nsa they have all the information. >> yeah. they don't. gerri: get to one other topic

before you go and this is something i found riveting. there was a riot breaking out in belgian migrant camp after migrants clashed with afghans. why? because a young syrian girl was not wearing a headscarf. how out of control is the situation? what is going to happen in europe now with these people, out of control as you can see from this video right now, over a girl not wearing a headscarf? what is going on? >> what is going on, two groups are coming to europe, legitimate refugees, who are small minority coming in and a vast sea of migrants, predominantly young males, countries where there is no threat, morocco, algeria. now they're coming from afghanistan and coming from iraq and just coming to profit from it. so the, legitimate refugees in that camp, syrians, who are relatively educated people, their daughter went out without a headscarf. these fundamentalist fanatics from iraq and afghanistan attacked them. there was riot. violence, blood all over the place.

the fundamental problem here, is we've abandoned the immigration model that worked throughout history where the immigrants must adapt to the values of the receiving society. because of political correctness, we have a situation where these fundamentalist extremists come to europe and, to a lesser extent, the united states, and believe they have a right, not just that they can but they have a right to import their primitive, barbaric values, their treatment of women. so you get in this camp, paradox of attacking a young syrian girl for not wearing a headscarf. these are same "people" sexually assaulting european women. the plague is inside of the city walls. gerri: the playing is inside of the city walls. colonel peters, thank thank your bringing your intelligent comments. >> i love speaking with you, gerri. too long. gerri: there is liberal schedule law, would force businesses

among other things, give employees, their schedules at least a week in advance. latest assault on business. it ultimately will cost you, consumer big time. that's coming up. we're the hottest young company around but if we want to keep the soda pop flowing we need fresh ideas! >>got it. we slow, we die. >>what about cashing out? no! i'm trying to build something here. >>how about using fedex ground for shipping? >>i don't need some kid telling me how to run a business! i've been doing this for 4 long months. >>fedex ground can help us save money and deliver fast to our customers. not bad, kid. you remind me of a younger me. >>aiden! the dog is eating your retainer again. let's take a short 5-minute recess. fedex ground is faster to more locations than ups ground.

gerri: you're not going to believe this one. hourly workers up in arms today demanding even more benefits from their employers. after winning a $15 minimum wage and mandatory paid sick leave, seattle workers are now saying they deserve what they're calling a livable work schedule. what does that even mean? and local businesses support

these concessions? we're going live to seattle where fox news correspondent dan springer joins us now. dan, what are these workers asking for? >> reporter: yeah, hi, gerri. they want set schedules, they also want a guarantee of at least 11 hours between work shifts is and an indirect say when their company hires additional workers. now, this ordinance is being given to us and being pushed by the same people that pushed the $15 minimum wage law here in seattle, and it's aimed at the same companies; restaurants and retail. it would require workers to get their schedules at least a week in advance and extra pay if late changes are made to that schedule. it would also give them some pay if a shift is taken away, and it would force employers to offer existing employees more hours before hiring more workers. >> i think that there is the sense amongst some workers that they are being abused, and i think that that comes really

from a sense of not being treated fairly. >> reporter: supporters say this would be especially good for single parents and those who take care of elderly people in their family out of their home. gerri? gerri: well, dan, what's the response from local businesses? >> reporter: well, as you can imagine, local businesses and people who take business interests at heart hate this idea. economists also say that it will drive up the cost of doing business in seattle, that it will also lead to higher prices here because companies will have to adjust by higher prices, and it will also drive some jobs out of the city. now, supporters say that, you know, this is all the same stuff they've heard over the $15 minimum wage. starbucks, which began here in seattle, is a target of the ordinance. workers will occasionally be asked to close down at night, then reopening the next morning. those would be eliminated.

but how do business owners adjust to people calling in sick? late changes will be costly. economists say look for more automation so companies can get by with fewer employees. but even then there will be a struggle. >> it's unfortunate that the city of seattle seems hell bent on these one-size-fits-all, cookie cutter approaches to wage and hour issues x i think this is going to be one more straw that breaks the camel's back. >> reporter: despite these dire warnings from some economists and others, the city council seems poised to be going forward with this, and many expect to have this ordinance, this livable schedule ordinance n place by the end of the year. gerri: dan, thanks for that reporting. amazing story. so can companies really afford to make these concessions; that is, to lower wage workers. joining me now, mat welch. this is just amazing to me. not only do you have to pay $15 an hour, you can't even set your

own schedule. what's your reaction? >> what i like is they want to have more hours themselves before they can hire new people. it's being explicit there. i got mine, but you -- who dot no have -- do not have a job -- to hell with you. this is what minimum wages do. when they were first introduced a century ago by progressives as a by to keep out -- way to keep out undesirable labor. it was women, immigrants, black men, this was part of i eugenics a hundred years ago, but somehow this will create more jobs or somehow won't hurt jobs as it exists? gerri: so, you know, from an economic point of view, you look at this as what you say, okay, so, you know, so tightly controlling employers will result in, you know, we're going to mechanize these jobs. you don't need a human being to ring up your starbucks coffee, and maybe that's what we go to, robots doing it. >> i mean, go the newark airport right now. you can't find someone to order

a drink from anymore, it's all these machines everywhere. [laughter] and this is part of it. if you mandate everything as $15 an hour, which governor cuomo is trying to do here in new york state, of course people are going to look for the robot to make it happen. and in the meantime, you're going to make governments more expensive. bernie sanders wants to make the federal minimum wage $15. he wants columbus, ohio, which is a boomtown that has really good employment and elope prices, to have the same rate as seattle and l.a -- gerri: well, that's dumb too. >> california just rejected a $15 statewide minimum wage, jerry brown did, because it would add $4 billion a year in the cost of government. so in addition to depressing actual employment -- which is kind of an important thing here in america where we have a low employment rate compared to the last 30 years, it's going to make government more expensive. you're going to have to jack up taxes. gerri: i like you're i've got mine, you can't have yours scenario. good to see you. >> thank you.

gerri: coming up, a public university is banning a conservative speaker who was invited by a student group to speak because his views on diversity have angered liberal act visitses. it is the latest on political correctness gone wild. stay tuned. ♪

♪ ♪ >> and a very good afternoon from the floor of the new york stock exchange, i'm lori rothman with your fox business brief. stocks right now, excuse me, at session highs. the dow is up almost 140 points.

credit a turn around in oil today. oil settled up for a second day, its highest since january 29th. i'm really losing my voice, i apologize, guys. 33.07. once oil turned around, we saw stocks take off. and leading the dow you have utx and nike, united technologies, honeywell confirmed the deal in talks to buy utx. energy shares, though, as oil turns around kind of left some of the energy stocks behind. exxon down three cents, chevron off 35. we'll have much more fox business right after this.

gerri: california state university at los angeles, a publicly-funded university, taxpayer dollars, has banned a conservative speaker from addressing a student group after liberal activists on campus launched protests. but the conservative speaker, he plans to show up anyway and speak out. adam shapiro has the details. >> reporter: gerri, that speaker is none other than the author ben shapiro, no relation to me, but he's well known, several books. a conservative s and he was invited by young americas foundation, and the university student body actually approved twice. they have an organization, but approved twice going forward

with this speech. but after liberals protested, the university president canceled it. so shapiro's going to show up in roughly two hours, cameras rolling, and he intends to deliver the speech anyway. what he's going to talk about is a speech entitled when diversity becomes a problem. and he touches upon the issue of race, something that he and i discussed, and he says it's kind of like the third rail of public discourse. here's what he said. >> when eric holder said we're a nation of cowards on race, he's exactly right. the problem is the cowardice comes from the left, and it's acquiesced by the right with all of the myth-making about how america's a deeply racist, horrible country 50 years after the end of jim crow. >> ben shapiro is on a ten-city speak being tour in which he's talking about a phenomenon we have all paid attention to, this anti-free speech, anti-capitalist movement on college and university campuses nationwide, the microaggressions expect trigger warnings. he's drawn a lot of attention for bringing this out and

calling out the people who claim to need a, quote, safe space. here's what ben shapiro said about that. >> you were born in 1984, as i was, the idea that you've been experiencing massive similarmatic race in society is hogwash. let's hear about it, let's hear the specific name, and let's try and do something about it. but if not for that, honestly, you're just blaming all of your problems on the wind. you're blaming it on the ether, and that's a waste of time. >> so ben shapiro was supposed to deliver that speech, pre arranged months ago, approved by the student body council, but it was canceled by the president who will not talk at california state university-los angeles. if they stop ben shapiro from speaking, he's going to be there with the yaf supporters. if they interfere in any way, shapiro is threatening to sue, and there is previous supreme court rulings on this kind of thing in which mr. shapiro looks like he might win that lawsuit.

so we're watching to see what happens. gerri? gerri: adam shapiro, great reporting. thank you so much for that. >> yep. gerri: california state university at los angeles, their actions, well, it's just the latest example of political correctness gone crazy across our nation's college campuses. joining me right now the ceo and president of f.i.r.e., a nonprofit educational foundation that tracks incidents just like these. he joins me now. so we were talking in the break beforehand. angela davis is going to be on this campus. she's -- they don't have to put some kind of conservative against her. she's a communist. she's hung out with the black panthers, and it's okay for her to talk, but not a conservative. how is that? >> the funniest thing about this is that the university president is trying to portray this as he's actually protecting free speech because he's just saying ben shapiro can't speak here until he has someone else to disagree with him on the panel. but they don't do that for anyone else. gerri: it's a double standardings right? >> absolutely.

we're at dis-invitation season. this is the time of year where university faculty and students get together and demand you can't speak on our campus, and every year it seems to get more intense -- gerri: give us names of people who have been banned because they didn't think the right thing. >> sure. people really started to pay attention when it was bill maher, people trying to get him not to speak on campus, but it was also donald please saw rice at rutgers a few years back. people really noticed when it was christine lagarde from -- >> gerri: right, imf. >> from the imf. and when they were protesting against her, they were like, really? who is allowed to speak? gerri: my knee-jerk reaction is this has to be unconstitutional, right? >> well, yeah, at a public college. at a private college they're not bound by the constitution, but you've got to call out the ridiculousness of the university -- gerri: where does this come from? you say this is going all over the country and it's on university campuses. are these kids just so scared of

hearing a different point of view, so fragile that they possibly couldn't hear anything else? >> i honestly think it's the fault of administrators. they've been teaching students that they have a right not just to not be offended, but now it's moved to the right where you have the right to be agreed with if we like your politics. and they're doing students the disservice of saying, by the way, you might be damaged if you hear opinions you disagree with. gerri: but campuses were always the place where you could have a free and open debate. isn't that how you learn other points of view, how you expand your knowledge base? >> what scares me to death is it seems like we've moved from students who are demanding freedom of speech to ones who are demanding freedom from speech. gerri: that's such a great way to put it. what is going to happen, ultimately, in this case? is this young conservative going to win out in the courtsesome. >> i'm excited to see what happens tonight at the speech. i think the university president should back down. gerri: will he? >> i don't know. [laughter] that's part of the fun.

gerri: we'll be watching it. greg, so good to meet you, and your organization is called f.i.r.e., right? >> foundation for individual rights in education. gerri: thank you so much. >> thank you. gerri: coming up, we're heading into the last hour of trading, and we've got a lot of green on the board. what it all means for you, your wallet, coming up. ♪ ♪ hing worth pursuing requires knowledge, hard work and a plan. at baird, we approach your wealth management strategy the same way to create a financial plan built to last from generation to generation. we'll listen. we'll talk. we'll plan. baird. then your eyes may see it, differently.ave allergies. only flonase is approved to relieve both your itchy, watery eyes and congestion. no other nasal allergy spray can say that. complete allergy relief or incomplete. let your eyes decide. flonase changes everything. k and choose world. choose, choose, choose. but at bedtime... ...why settle for this? enter sleep number and the ultimate sleep number event going on now. sleepiq technology tells you how well you slept and

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gerri: good day for your 401(k), we're heading into the last hour of trading with all three major indexes solidly in the green. cruise oil prices settling just above $33 a barrel. but are we out of the woods just yet? breaking analysis from financial adviser nathan backrack. it's interesting today, i think,

pause you saw what happened in china, and yet they had trouble, but we still rallied. what's going on here? usually happens the op opposite way. -- the opposite way. >> well, as oil goes, so goes the stock market. gerri: yeah. >> what's really difficult for the average investor right now is to go, wait a second, the deal is if i pay more at the pump, my 401(k) is going to go up in value? why is that good for me? [laughter] i like saving money at the pump. i don't quite understand it. so this is really sometimes a big disconnect right now between wall street and main street. wall street worries about the $500 billion that's been lent to the energy industry. i understand they should be concerned. if i was a bank and i hadn't been reserving from the losses in the energy industry, i might be concerned too. finish on the other hand, take a look back two years roughly. we've saved almost $2 a gallon when we go to fill up. that translates. every penny that we save on a gallon of gas over the course of a year translate into a billion

dollars in the economy. gerri: right. let me interrupt you here, nathan, because as we've seen, americans haven't generally spent that money right away. they're not necessarily spending. they've been saving instead, so there's questions about the health of the consumer. but i want to ask you, you brought up oil, and i think that's absolutely the right thing to talk about here today. have we seen the bottom for oil? because, let me tell you, you mentioned the banks have had trouble with loans to the industry, the oil industry. they would love to see this turn around. >> well, i'm sure they would love to see this turn around. this is going to be sort of the push me/pull me here. i don't know if we've seen the bottom. i will tell you one thing, the world can talk about how they're going to have a meeting in a couple months and decide to freeze production. i wish them a lot of luck on that. opec, you're dead on your feet, you just don't know it yet. every time someone tries to raise the price of oil around the world, over in west texas you know what they're going to say? we've gone from $1600 wells to 413 wells.

we could open up a few at any point in time -- gerri: true. >> we'll start pumping more. i think the issue really is not whether oil will go down substantially in price, but the fact is we'll be able to moderate it. so i don't think we're ever going to, in the short term, we're not going to see $60, $7 a barrel oil. -- $70 a barrel oil. it can't happen. gerri: all right. i want to talk about interest rates. james bullard, the federal reserve president in st. louis, saying don't raise rates. we're not going to raise rates. there's no interest rate raising going along here. so when you look back though and you look at what people have been told about their money, they've been told for i don't know how long, five years, maybe, interest rate hikes are around the corner. it never happens. what do you see in your crystal ball? >> oh, i wish i had a crystal ball. gerri, rates aren't going anywhere anytime soon, and by the way, if in december you had asked the question, well, what's going to happen to interest rates now that the federal reserve has started to raise

them, nobody would have said, oh, the 10-year treasury's going down to 1.71 from 2.25. gerri: right. >> from an investment standpoint, bonds are going to provide stability. let's not look at them as a way to make money by seeing the appreciation in the bond plus whatever the bond's paying, they provide some stability. interest rates are going to stay low, i believe, until you start to see to real wages rising which they haven't risen -- gerri: right. >> this is the reason why when you save money at the pump, you put it in your checking or savings account. you're not buying a car, because you don't want additional debt. gerri: nathan, thanks for that. >> my pleasure. gerri: we'll be right back as we head into the final hour of trading. stay with us. ♪ ♪

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>> apple has filed a motion to vacate a court order in the san

bernardino iphone unlocking case. it forces apple to create an operating system too dangerous, once the floodgates are open they cannot be close, that is apple. liz claman to you for the final hour of trading. liz: a lot of breaking news. let's see, apple has filed a motion acting -- asking a federal judge to allow the not to comply with fbi request to open another-terrorists used before killing 14 people in california and it turns out the fight over cracking open the phone is, quote, the most difficult issue the director of the fbi has ever seen in all his years serving the u.s. government. james comey, and the proper balance between security command privacy, by the american