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Attorney: Trayvon Martin on Phone When Shot; Lawyer: Bales Doesn't Recall Massacre; Prenups: Not Just for Married Couples; Unemployment Rate "Doesn't Matter"; A 10-Year-Old Girl Braves Ski Jump; Albert Einstein Online; Staying Safe Online; The Help Desk; TSA Screening Video Sparks Outrage

Aired March 20, 2012 - 12:07   ET

THIS IS A RUSH TRANSCRIPT. THIS COPY MAY NOT BE IN ITS FINAL FORM AND MAY BE UPDATED.

ASHLEIGH BANFIELD, CNN ANCHOR: You're watching Benjamin Crump, the attorney for Trayvon Martin's family, as he plays a recorded affidavit from a 16-year-old girl who says she was on the phone with Trayvon Martin just before he was gunned down in Florida.

Live from New York, it is just after 12:00 noon on the East Coast. It's after 9:00 a.m. on the West Coast. I'm Ashleigh Banfield.

And we want to get you up to speed for this Tuesday, March 20. We've got several big developments to tell you about in the investigation into the killing of the Florida teenager Trayvon Martin. He was unarmed. He was carrying candy and iced tea when he was shot by a neighborhood watch captain in Sanford, Florida.

Police say the man who shot him, George Zimmerman, told them that he acted in self defense. Zimmerman has not been charged. He hasn't been arrested either.

But we have learned this, the case will be heard by a grand jury in Seminole County, Florida, and the Justice Department, that's the federal government, folks, the civil rights division and the FBI, have opened up their own investigation into this case.

And a short while ago as you saw, the Martin family attorney said that the teenager was on the telephone with a girlfriend just before he was shot.

(BEGIN VIDEO CLIP)

CRUMP: What George Zimmerman said to the police about him being suspicious and up to no good is completely contradicted by this phone log. Showing all day he was just talking to his friends. And, in fact, he was talking to this young lady when he went to the 7-Eleven and when he came back from the 7-Eleven.

And I'm going to get into that in detail because her testimony, her testimony that is shown on these phone logs, connects the dots. Completely connects the dots of this whole thing.

(END VIDEO CLIP)

BANFIELD: Joining me now is CNN legal analyst Sunny Hostin. Of course, Sunny, you've been listening along side with the rest of us from the Martin's attorney, Benjamin Crump, as he's outlining this significant development.

A phone call, Trayvon Martin apparently on the phone before he was shot with a 16-year-old girl. Sadly, as he was playing that recording, Sunny, I don't know how good your audio was but it was difficult to make out what that young girl was saying.

But how significant is what she has to say?

SUNNY HOSTIN, CNN LEGAL ANALYST: It's extremely significant, Ashleigh. And this morning, I spoke at length to one of the Martin family attorneys during which time she told me about the existence of this affidavit, this taped affidavit. And what she told me was that the girl, the young girl and Trayvon Martin had been on the phone for most of the day.

Now we know it was over 400 minutes of conversations, which is what teens do, right? And she told the family attorneys that the last phone call that she had with Trayvon Martin was on that night at about -- started at about 7:04, ended at about 7:16. During that phone call he explained that he was nervous, he was concerned because someone was following him. At which point, she told Trayvon to run.

Trayvon said he wasn't going to run but he was going to walk quickly to get away from the man that was following him. We know that that man was George Zimmerman.

She said that she heard the discussion between George Zimmerman and Trayvon Martin. Trayvon Martin said, "Why are you following me?" George Zimmerman allegedly said, "Who are you, what's your name, what are you doing here?" And then she says she heard what she perceived to be Trayvon Martin being pushed or tackled. At which point the phone call dropped.

And why this is so important, Ashleigh, is because we know that the police department in Florida indicated that they had not arrested George Zimmerman because he claimed self defense. But, an exception to the self defense claim, "Stand Your Ground" law in Florida is if you are the first aggressor.

So, if you attack someone, push someone, pursue someone, are aggressive toward someone else, you then cannot claim the self defense claim. You can't claim "Stand Your Ground" law.

BANFIELD: So --

HOSTIN: And so, the family attorney is telling me that they believe that is why this case will be heard in front of the grand jury on April 10th and why the state's attorney's office transferred this, recommended this to the grand jury because of this phone call with that girl. I don't think we can underestimate the importance of that.

BANFIELD: And let me -- let me ask you about that because you and I have often talked about the importance of evidence, the importance of eyewitnesses, and now, this is something we call an ear witness.

And without any one to actually corroborate what was happening at the moment that she said she heard a scuffle, is it possible to play the devil's advocate here if you're Zimmerman's family and say this young man turned around -- and let's say for an instance that Zimmerman was afraid of who was following him and became menacing to fend off this aggressor -- and then the aggressor Zimmerman assumes that he's getting the first aggression and you call it often that first aggressor move?

HOSTIN: Well, perhaps that's something that George Zimmerman will say. But that is a fact question. And so, that is something for the grand jury to decide or something for a jury to decide. And I think that that is where this case needs to be, which is something that I've said all along.

You know, you claim self defense and you stand behind the veil of this "Stand Your Ground" law, the "Stand Your Ground" defense, but there is now other evidence to dispel that. And that then leads me to believe that this is something, a case for a jury to decide --

(CROSSTALK)

BANFIELD: Do you think this is going to result in indictment?

HOSTIN: I do. I do. When you look at a case like this, when you have facts now on both sides of the case, I think you do see an indictment in a case like this. I mean, who knows, it's going to be up to the grand jury. But I suspect we will see an indictment here.

BANFIELD: All right. Sunny Hostin, excellent work. Thanks very much. Stand by, if you will, as this story continues to develop.

We also want to give you a rundown of some of the other stories we're covering as well.

First, prenups -- they're not just for married couples anymore, it turns out.

And then a 3-year-old child in a wheelchair padded down by the TSA. It is a video that's gone viral but there is a catch. We're going to tell you as well what your passenger rights are depending on whether you're itty-bitty or whether you're a little older.

(COMMERCIAL BREAK)

BANFIELD: New information now on the U.S. soldier accused of slaughtering 16 Afghan civilians, a lawyer for Staff Sergeant Robert Bales says his client doesn't remember that killing spree that left nine children, three women and four men dead. Bales allegedly shot and stabbed his victims and then set many of them on fire. He has yet to be formally charged.

Ted Rowlands is at Fort Leavenworth where Bales is being held.

(BEGIN VIDEOTAPE)

TED ROWLANDS, CNN CORRESPONDENT: Staff Sergeant Robert Bales is meeting with his defense team here at Fort Leavenworth for a second straight day. Yesterday, the defense team met with Bales for more than seven hours on the post here.

And after that meeting the lead attorney, John Henry Browne, said to CBS News that he was told by Bales that he didn't remember specifics about the shooting in Afghanistan. Take a listen.

JOHN HENRY BROWNE, SGT. ROBERT BALES' ATTORNEY: He has an early memory of that evening and he has a later memory of that evening, but he doesn't have memory of in between.

REPORTER: Bales told you he was not drinking that night?

BROWNE: He said he had a couple of sips of something, but he didn't even have a full drink.

REPORTER: H was not drunk?

BROWNE: No.

MATTINGLY: Still no formal charges have been handed down by the Army. The investigation, of course, is exhaustive when you take into account there are 16 separate murders in Afghanistan. So they have an investigative team on the ground in Afghanistan.

Once all of the information is compiled, an Army commander will make the decision to prefer charges, that's the language they use in the military. At that point, the charges will be released to the public, the formal charges against Bales, and the wheels of justice will start grinding.

One question that isn't answered yet is where will he actually go through the proceedings? Will it be here at Fort Leavenworth? Will it be at Lewis-McChord, his home base, in Seattle, or another military installation in the United States? We don't know the answer to that.

But we do know that he will be tried in the United States, not overseas.

Ted Rowlands, CNN, at Fort Leavenworth, Kansas.

(END VIDEOTAPE)

BANFIELD: And a congressional committee is hearing about this case against Bales today. Also, the deadly riots sparked by the burning of Korans at a U.S. air base in Afghanistan. And the deaths of 60 troops from six different nations all killed this year in that war.

General John Allen, a top U.S. commander in Afghanistan, admits the last couple of months have been, quote, "trying" but he remains positive.

(BEGIN VIDEO CLIP)

GEN. JOHN ALLEN, CMDR., INTL. SECURITY ASSISTANCE FORCE: Each of these events is heart wrenching and my thoughts and prayers go out to all of those affected by this violence, coalition, and Afghan alike. But I assure you, the relationship between the coalition and our Afghan security forces remains strong.

(END VIDEO CLIP)

BANFIELD: We'll have more on the story coming up.

Also, living with your partner. You may want to sign a prenup and not just if you're married. Not just for couples anymore, folks, at least married ones. We'll explain.

(COMMERCIAL BREAK)

BANFIELD: It turns out you don't have to be married to get a prenup agreement anymore. It sounds a little bit weird but more couples who are living together -- just living together -- are getting something called cohabitation agreements.

Our Alison Kosik joins me live now from the New York Stock Exchange.

It's the first I ever heard of it. I think it's a little strange.

ALISON KOSIK, CNN BUSINESS CORRESPONDENT: Yes.

BANFIELD: But how popular is it?

KOSIK: It's becoming very, very popular, Ashleigh. Definitely a trend that is catching on these days.

You know, there is a study that says almost 40 percent of divorce lawyers are seeing an increase number of people that are asking them to draw up these legal contracts, as you said it's called a cohabitation agreement and you get if it you are not married, if you want to protect your assets. It's kind of like a prenuptial agreement.

So, what it does is it addresses custody, financial obligations, who gets shared property and also gives you the right to make medical decisions for your partner. It's especially useful if a couple is buying a home, raising a family but isn't married and it protects you if you break up.

So, it also lets you legally stipulate who gets inheritance or who gets custody of children if your boyfriend or girlfriend dies -- Ashleigh.

BANFIELD: So, two-part question. Why are so many more people getting them now than before? And are people maybe realizing that maybe those common law marriage agreements kick in and you need some kind of agreement for that?

KOSIK: OK, so let me take the first question. Why are we seeing more people getting into these agreements? Because many couples just aren't getting married these days. You know, the number of adults who are tying the knot is at a record low.

And this kind of addresses your second question but they are still coming into this relationship with a lot of money maybe and some assets. So what these cohabitation agreements do is help protect some of that that you're bringing into the relationship.

And if by chance the relationship ends, you know, it sometimes ends in a long legal battle, just like divorce, and because many states actually don't have cohabitation laws, these people are finding that this cohabitation agreement makes the process of kind of unwinding a little easier if that's possible -- Ashleigh.

BANFIELD: Maybe a little bit cheaper too. Alison Kosik, thanks very much for that.

KOSIK: Oh, yes.

BANFIELD: Good to see you.

OK. It is another must-win situation for Mitt Romney tonight in Illinois. But haven't they all been that? I mean, really?

Heat is also on for Rick Santorum, though, right now for what he said out on the stump.

(BEGIN VIDEO CLIP)

RICK SANTORUM (R), PRESIDENTIAL CANDIDATE: I don't care what the unemployment rate's going to be. It doesn't matter to me.

(END VIDEO CLIP)

BANFIELD: What? Did he really say that? Or is there some context that might change things up a little bit? His rivals are jumping all over him for it. So what did Santorum really say and what did he really mean? You've got that explaining and he's doing it.

(COMMERCIAL BREAK)

BANFIELD: Here's a rundown of some of the stories we're working on for you. Coming up next, a political roundtable on today's Illinois primary, and then this.

(BEGIN VIDEO CLIP)

UNIDENTIFIED FEMALE: Here goes something. I can do this. I'm going -- I'm going to jump. Whoa, my ski's slipping off.

(END VIDEO CLIP)

BANFIELD: Adorable.

You cannot miss this -- a little girl conquering her fears and leaping off a huge ski jump for the first time. Like most of us would be nervous up there.

And in 15 minutes as well, we got a new app for you. Finds out if your personal information has been hacked. How much information do you have to give it?

OK. So, here's the deal -- jobs and economy, the two top issues on the minds of voters as they head to the polls today in the Illinois primary. So, it is no surprise that Mitt Romney's campaign jumped all over a comment by Rick Santorum that he doesn't care about the unemployment rate. Or is that really what he said?

For more on the remark and the reaction, and what Santorum meant or at least what he says he really meant, let's bring in our political panel. Democratic strategist Jamal Simmons is with us, and editor and blogger Crystal Wright of the ConservativeBlackChick.com, who is a D.C. delegate for Newt Gingrich.

First, guys, before we get to the meat of this and hash it all out, good to have you both here. I can't wait. I can't wait for this.

Let's have a listen to what Rick Santorum says. Here it is.

CRYSTAL WRIGHT, EDITOR/BLOGGER, CONSERVATIVEBLACKCHICK.COM: Oh, my!

(BEGIN VIDEO CLIP)

SANTORUM: I don't care what the unemployment rate's going to be. It doesn't matter to me. My campaign doesn't hinge on unemployment and growth rates. There is something more foundational going on here.

(END VIDEO CLIP)

BANFIELD: Oh, no you didn't. When I heard that I couldn't believe it until, of course, I third whole sound bite, and then the explanation afterwards. It wasn't about that he doesn't care about the unemployment rate, it's just that he's not making that the focus of his campaign.

But, Crystal, does that matter?

WRIGHT: Yes, it matters. And the more Rick Santorum talks, the more it's clear he's becoming a fringe candidate out of touch with the American people. I mean, you wonder what's going to come out of his mouth next.

And I think he's right -- joblessness, the economy, that is not important to Rick Santorum. God is important to Rick Santorum which is exactly why he will not get the Republican nomination.

We believe in God and we believe in social issues. But right now, the American people and Republicans want jobs and they want an economy that's clipping along. And every time Santorum talks, he's talking about, you know, some bedroom issues instead of pocket book issues. I mean, this is a problem, and that's why Romney is going to win Illinois.

BANFIELD: OK, Crystal, so that whole thing about it not being that important I just have to put this poll up that was taken by Gallup between dates March 8 and March 11.

If he doesn't think it's a big deal look at two. According to Americans polled, 26 percent of them think that unemployment and jobs is really critical. And you don't even see on that top four those social issues.

WRIGHT: You don't. You're exactly right. I have said this all along about the problem with Rick Santorum's candidacy and he's fixated and obsessed with religion. He has said in Rome, he met with the Opusdia, which is the really conservative faction of the Catholic Church.

He said that it's absurd to think I won't govern without my religious beliefs. This is a real problem. We have a separation inherent in the constitution of church and state and Republicans don't want to hear about these wedge issues.

Like I said, we believe in supporting traditional family values, but it's about jobs and the poll numbers that you put up just prove that. And that's why in 2010, Governor McDonald and Governor Chris Christie won their campaigns because, guess what, shock, they did not focus on these wedge issues.

BANFIELD: But still he comes out and he gets great numbers in these states that are so well close.

SIMMONS: Let me get in for a second. I think Rick Santorum, Crystal is actually right. What he does care about are these other issues, about social conservative issues, abortion, and the role of women in the family.

BANFIELD: That's obvious.

SIMMONS: Also is true that he probably does get that the economy is important. But what Santorum is locking into is something that does exist in the American psyche that people do have this sort of sinking feeling that our greatness is slipping through our fingers like sand at the beach.

And he is trying to tap into that as being something that's bigger that's going on in the economy than just the economy that we actually do face kind of a bigger problem as Americans.

The problems is, this election is not about that. This election is about people's economic futures, their jobs, their families, their kids educations, all those things.

And then you have someone like Mitt Romney who is at the same time not showing the leadership to stand up to Rick Santorum when he says there shouldn't be separation of church and state.

He doesn't stand up to Rick Santorum when he says college education is not something that's important and the president is a snob for wanting every kid to go to college. He doesn't stand up to Rush Limbaugh.

BANFIELD: He did stand up to this. He stood up to this comment. I could not believe he seized on it because he did the same thing himself. He said right here at this network to my friend and colleague, Soledad O'Brien.

I don't care about poor people and then he had to fix it and context it and try to pull back on it. Yet yesterday out on the campaign trail here's what he said about Rick Santorum's gaffe. Have a listen.

(BEGIN VIDEO CLIP)

MITT ROMNEY (R), PRESIDENTIAL CANDIDATE: I'm concerned about the people that are out of work. One of the people who is running also for the Republican nomination today said that he doesn't care about the unemployment rate, that doesn't bother him. I do care about the unemployment rate. It does bother me. I want to get people back to work. I'm concerned about those who are out of work.

(END VIDEO CLIP)

BANFIELD: I hate it when they say one of those people running. There's not that many to keep track of. Even I can keep track. Jump in there, Jamal. Is this fair? Is this dirty? Give it a rest already.

SIMMONS: He's trying to show that he's a little tougher because the last few weeks he hasn't stood up to Rick Santorum on these other issues. And I think people made an issue about it so now I think he is trying to show he is willing to be tougher and trying to put Santorum's campaign down.

He wants this campaign to be over so he can get to the general election, but as every week this goes on is a week his poll numbers get worse.

BANFIELD: And I want a last word from you Crystal, but I want it to be about your candidate, Newt Gingrich. What's the deal? Is he going to stick around?

WRIGHT: You know what, I hate to say this and I keep saying it, Newt needs to win some you know what contest, OK. He is a one trick pony. Always won in South Carolina and Georgia and that's not enough.

And I think it's really you know, he's going to alienate a lot of his supporters if he keeps talking about I'm going to contest delegates in August on the convention floor.

How about winning some contests, Newt? Because right now you're down there with Ron Paul, I mean, you're fading off the face of the campaign.

BANFIELD: The numbers are dwindling without question. It's great to see both of you. Thanks so much for your interpretation of those sound bites. Have a good one.

And by the way, CNN tonight, the GOP hopefuls are going to move on to the Illinois primary scene. Our coverage begins at 7:00 p.m. Eastern with "ERIN BURNETT OUTFRONT."

And it's followed by extended coverage during "AC 360" at 8:00 and then Piers Morgan at 9:00 as well. We want to make sure you stick it here.

Our primary coverage, CNN's Best Political Team on the planet actually in the universe, the solar system, pretty much everywhere. I think it's guaranteed.

Are you as fearless as this little fourth-grader?

(BEGIN VIDEO CLIP)

UNIDENTIFIED CHILD: Here goes something. I Can do this. I'm going to jump. My ski's slipping off.

(END VIDEO CLIP)

BANFIELD: How does this thing turn out? And would you be as dare devilish as she? Would you do this? Would you let your skis slide down that up and over 60 meters? We'll let you know how she made the landing in a moment.

(COMMERCIAL BREAK)

BANFIELD: A 10-year-old girl just took her first huge ski jump and now, I don't know, about 600,000 people have watched along with her sailing through the air online. And Jeanne Moos tells it best.

(BEGIN VIDEOTAPE)

JEANNE MOOS, CNN NATIONAL CORRESPONDENT (voice-over): This is how ski jumping looks when the big girls do it, to a little girl looks like this.

UNIDENTIFIED CHILD: I'll be fine. I'll do it.

MOOS: Her name is Zia and she is a fourth-grader in Park City, Utah.

UNIDENTIFIED CHILD: Here goes something, I guess.

MOOS: But it's not going yet.

UNIDENTIFIED CHILD: You can do this. I'm going to -- I'm going to jump. Whoa. My ski's slipping.

MOOS: Zia's mom, Jennifer Terry, posted the helmet cam video on YouTube. Now she's not up there alone, you can hear an instructor chiming in.

UNIDENTIFIED MALE: Remember, never snow plow. OK.

UNIDENTIFIED CHILD: No snow plows.

UNIDENTIFIED MALE: Keep it straight. You'll be fine.

MOOS: She's atop the 40 meter jump having already mastered the 20.

UNIDENTIFIED CHILD: It's longer, just a bigger 20. That's all.

UNIDENTIFIED MALE: That's all.

MOOS: But even a self described tom boy is entitled to a last minute whimper.

UNIDENTIFIED CHILD: OK, yes!

MOOS: This viral video reminded America's most accomplished female ski jumper of herself.

(on camera): You mean you grew up on that very jump?

LINDSEY VAN, PROFESSIONAL SKI JUMBER: Yes. I grew up on that jump and I did that same thing, but about 20 years ago. It seemed huge to me then.

UNIDENTIFIED CHILD: The suspense freaks you out. It's so fun.

MOOS (voice-over): Even on the beginner's 40 meter jump that last step --

UNIDENTIFIED CHILD: Here goes something.

MOOS: Is a doozie. Jeanne Moos, CNN --

UNIDENTIFIED CHILD: Sixty seems like nothing now.

MOOS: New York.

(END VIDEOTAPE)

BANFIELD: Sixty seems like nothing now. Love her. Do you have spam in your e-mail box? Of course, you do. Now there is a new tool to find out if you've been hacked by that spam, but you have to take a leap of faith and plug in your e-mail address. We'll explain.

(COMMERCIAL BREAK)

BANFIELD: Time for Tech Tuesday now. HLN digital lifestyle expert and all around tech guru, Mario Armstrong joining me now. You could say this is relatively cool. You like that, play on words. Mind of a genius right at our fingertips. How is this so? What happened? How do we get this? MARIO ARMSTRONG, HLN DIGITAL LIFESTYLE EXPERT: Well, it's pretty cool. I mean, it's thousands upon thousands of records here, Ashleigh. This is the first time this has really been expanded.

I want to make sure they go to the right web address too because you will search for minutes looking for this. It took me a while. It's alberteinstein.info. And on the site you can see all types of documents, both scientific as well as non-scientific.

One thing of note that really caught my attention one of his travel diaries, one of six, where he came through the U.S. and one of the entries you find in there is that he loses his wife, and he finds her again, but after he finds her he loses his train tickets. You see that the genius that we all look at is also completely human as well.

BANFIELD: That's really fits the narrative that we hear about him that he was completely spacey and yet a remarkable guy. What's the story about the wedding invitations?

ARMSTRONG: Yes, the wedding invitation is on there as well. You can find out information about the Nobel Peace Prize. But it's all -- it's not just documents. It's also images from that time. So it's the first really huge digitization project, as they're calling it, digitizing all of these records to make them more available to the public.

BANFIELD: Now imagine if he were alive today to see what we do online --

ARMSTRONG: Yes.

BANFIELD: And how much information we process on a regular basis.

ARMSTRONG: Right.

BANFIELD: And if he would be as spacey with what we have to keep track of today.

ARMSTRONG: Right.

BANFIELD: What's the story about the identity safety --

ARMSTRONG: Especially with passwords.

BANFIELD: Heck, yes. See, that's where I'm going with this.

ARMSTRONG: Exactly.

BANFIELD: Because, you know, online theft amounts to something like $39 billion globally in 2011.

ARMSTRONG: Right. Yes.

BANFIELD: So how can we try and ratchet that back?

ARMSTRONG: Yes, there's a couple of things that are happening. The first thing is, one of the things that people get access to right away that gives them more information that they can use against you are your e-mail accounts. So if you want to check to make sure your e- mail account hasn't already been hacked, your information could be on a hacker database somewhere and it's just not exposed yet. So you want to go to something called pwnedlist.com.

Now, when you go there, you can type in your e-mail address and see if it's already been hacked. If it hasn't, that doesn't mean that you're totally safe. It just means your information is not in that database saying you're hacked. But I had three or four really specific tips that I think help people out, especially, Ashleigh, with the passwords. Because how many passwords are you remembering today, Ashleigh, like 100, right?

BANFIELD: Do you know what, I can't even say this on TV because I'll be the number one target, but I'm, you know, Ashleigh.

ARMSTRONG: Oh, why, you use one password for everything?

BANFIELD: That's it, Ashleigh. You got it. OK, but, listen, before you move on from that website --

ARMSTRONG: Yes.

BANFIELD: I was -- let's see, pwnedlist.com? How do you spell that?

ARMSTRONG: Yes, p-w-n-e-d. P-w-n-e-d.

BANFIELD: P-w-n-e-d. OK.

ARMSTRONG: L-i-s-t.com.

BANFIELD: Dot come.

All right. So now move on to this issue with -- this is something just today a colleague of mine and I were flipping out about, because I was being asked to put in a new log-in and a new password and they were saying -- and you have to have a symbol and a number and they have to juxtapose and one's capital and one's small and then you have to do a cartwheel or you can't log in.

ARMSTRONG: That's right. Right, and then it's going to be retina scan. Then it's a finger scan. And then it's a freckle line.

BANFIELD: Oh. Drives me nuts. So how do we deal with this?

ARMSTRONG: No, no, no. It is a problem. First and foremost, pull the sticky notes down off all your monitors for those of you that are watching with sticky notes.

BANFIELD: That's me.

ARMSTRONG: Pull the passwords off the sticky notes. All right, but seriously, though, there are a couple of things that we need to do. Number one is you want to try to have 12 or more characters. I know that seems crazy, but you can use a phrase or a numeric and try to use that to try to create it. So, more characters makes it harder to break in.

Number two, use variations. What you just say. Caps, lower case, upper case, symbols, numbers, things that aren't in the dictionary is the goal here. You don't want to use those types of words.

And then, last but not least, you want to think about using a password manager because you're going to need multiple passwords. You don't want to have the same one for everything because you're only as strong as your weakest link. So if someone breaks into your e-mail and you use that same password for your bank account, that's not good. So multiple passwords. And then use a password manager to help you manage passwords.

BANFIELD: Yes, how safe are those password managers, my friend?

ARMSTRONG: I know. And here's the thing, don't forget the main password to get into the password manager.

BANFIELD: Oh, I knew there was going to be a catch.

ARMSTRONG: No, but they're good. Some of them are really, really good. Some of them are developed by white hat hackers. These are people that really hack for good and want to see you be very safe. So I suggest everyone do their own search and figure out what's right for them. But a couple that we have are Keypass, there's another one -- a couple of other ones that are out there that are really good for people to use. The point is, don't use the same one, make sure it's not in the dictionary and make sure you use variations on that. That's really the key.

BANFIELD: And don't use your name and the number one, right? Really dumb.

ARMSTRONG: And don't use your name and password123 is not a smart password at all.

BANFIELD: You nailed it. That's what my password was, password123 for the longest time. I'm just one of those dummies.

ARMSTRONG: Oh, Ashleigh.

BANFIELD: I know. I know.

ARMSTRONG: Oh, gosh.

BANFIELD: Mario, it's just lovely to talk to you. Thank you for all that.

ARMSTRONG: You're welcome, Ashleigh.

BANFIELD: You're awesome.

ARMSTRONG: I'm going to have to work on you. All right.

BANFIELD: Oh, you're not kidding. You and a team.

OK, so, folks, video of a child in a wheelchair getting padded down by a security screener. It ain't a joke and it's gone viral. What kind of threat did this little guy pose, do you suppose? You're going to hear from the child's father who shot and posted the video and why he waited two years to do so.

KOSIK: Time now for "The Help Desk," where we get answers to your financial questions. And joining me this hour are Jack Otter, he's the executive editor of cbsmoneywatch.com and author of "Worth It, Not Worth It," and Stacy Francis is a financial adviser and the president of Francis Financial.

Thanks for coming in today. Let's get right to the first question.

David in Texas is asking, "I am considering opening a 529 plan for my new grandson. How will this affect his financial aid?"

Jack.

JACK OTTER, EXECUTIVE EDITOR, CBSMONEYWATCH.COM: Great move but it's a little bit tricky. So when a grandfather, grandmother open as 529 plan, there's no effect. When the parent fill out the FAFSA form that you have to fill out for college aid, it's not there. But when they actually contribute to the tuition, then it shows up as student income. And that is tapped at a higher rate. It's considered -- it dents your -- let's put it this way, it dents your financial aid more than parents' assets do.

So he's got two options. One, he can just figure that he's saving for senior year, because he'll contribute for senior year, there's no more college after that, so he's fine. If he's really putting in a lot of money, though, he might want to actually gift it to the parents. They can put it in a 529 plan and it will have less of an impact on financial aid.

And finally I would say, people obsess over this too much. Saving for college is way better than not saving for college. If you dent financial aid a little bit, OK, you still saved a lot of money. That's a great.

KOSIK: All right, that sounds great.

All right, our next question coming from Andy in Pennsylvania. He says, "my wife and I have a gross income of $275,000. I maxed out my 401(k) and contribute $10,000 towards our mutual fund. How else can we save for retirement?" He wants to know, Stacy.

STACY FRANCIS, FINANCIAL ADVISER: Well, it sounds like his wife might be working too. And so I wonder, why are we not putting money into her retirement plan at work. If she doesn't have a retirement plan at work, guess what, that $10,000, $5,000 should go to his IRA, the other $5,000 should go to hers. If they're over age 50, guess what, bonus. They can put in even more. They can actually put $6,000 into each of their IRAs. That's the best way to save. And much better than just putting it in a taxable mutual fund.

KOSIK: Right, spreading it out a little more.

FRANCIS: Spread it out.

KOSIK: All right, thanks for coming in.

If you have a question you want answered, send us an e-mail any time at cnnhelpdesk@cnn.com.

(COMMERCIAL BREAK)

BANFIELD: A two-year-old video is sparking fresh outrage over the screening of children at the airport. Matt DuBiel has a son named Rocco. And when Rocco was three years old, an incident, you could call it, occurred while the family was on their way to Disney World. More than 100,000 people have now viewed this incident since it was posted online on Saturday night and now it's your turn. Have a look.

(BEGIN VIDEO CLIP)

UNIDENTIFIED MALE: Weird, huh. That's a little weird.

UNIDENTIFIED MALE: Yes.

(END VIDEO CLIP)

BANFIELD: How adorable. As he gets patted down by a TSA agent. Little Rocco had a broken leg. That's why he was in a wheelchair getting swabbed and patted down and checked. Very strange, I know. CNN's Lizzie O'Leary spoke with Rocco's dad and asked him what bothered him so much about the screening of his son.

(BEGIN VIDEO CLIP)

MATT DUBIEL, FATHER OF CHILD PATTED-DOWN BY TSA: There's another human being putting their hands on my child. That's not acceptable. If he was putting his hands on my child at McDonald's or any place else, we would immediately have him arrested and we would call the police.

(END VIDEO CLIP)

BANFIELD: Well, Matt DuBiel may have been outraged, but he did wait two years before posting this video. And, by the way, as you watch it, what are your rights as a passenger, no matter how old you are? We're going to break it all down for you in just a moment.

(COMMERCIAL BREAK)

BANFIELD: A two-year-old video of a TSA agent patting down a three-year-old boy is stirring up some good old fashioned outrage across this country. It's only fair to point out that the procedures for screening children have changed dramatically in the two years since this incident. Our Lizzie O'Leary joins us now to talk about your rights regarding your children and yourself if you're headed to the airport.

And, Lizzie, the first time I saw that, of course, I think I jumped in the outrage pool with everybody else thinking, oh, come on already. Is this serious? But things have really changed, haven't they, since this video actually was filmed two years ago?

LIZZIE O'LEARY, CNN CORRESPONDENT: Yes, they have changed. And that's really important to point out here.

So, back in September, the TSA started changing the way it screens kids under 12. And essentially what's going on here is the goal is for fewer pat-downs so they don't get eliminated all together and kid can go twice through a screening machine if there's something that sets off a flag. They don't have to take off their shoes.

We should bear in mind that, in this instance, this child was in a metal wheelchair, which would set off some of the detecting machines. So it's likely that he would have gotten some sort of limited pat-down or swabbing with those white pads. Those are for explosive trace detection. So that probably would have happened anyway. But the goal overall, as the TSA sees it, is to sort of take pools of people they see as less risky and screen them a little differently.

BANFIELD: So, real quick question because I have two little ones, not this little, but little enough that I could carry them if I wanted to. I know this little boy had a broken leg and maybe that's why he wasn't carried. But if you carried the boy through, he'd probably be in better shape than if you put him in the wheelchair that would beep.

O'LEARY: Well, because they'd be going through with you and the wheelchair wouldn't be beeping, exactly. That's part of this, TSA tries not to separate kids from their parents, they say. Certainly, that's something that raises parents' eyebrows, they don't want to see it. And the department understands that. They've got little lines you can call in before you take your kids on a trip.

BANFIELD: And just quickly. Get me up to speed again on the elderly as well. Didn't they change the rules about the elderly?

O'LEARY: Yes, they did. Yesterday -- so, we're talking limited screening here, too. People over 75 at a couple of airports, four of them at this point, can keep their shoes on, a light jacket, they can go through the metal detector or screening device again to try to avoid that pat-down. So again, this is part of eliminating those pools of risk as the TSA calls it.

BANFIELD: And that kinder, gentler trip for the rest of us. Lizzie O'Leary, very good to see you. Thanks so much, Lizzie.