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We hear a story about a woman named Sara who was victimized by a charlatan who talked her into giving out her automatic teller machine PIN number; then Danny talks about ATM scams with Dr. Barry Schreiber, a professor at Saint Cloud University in Minnesota.

NPR's Adam Hochberg reports that, after a bitter and hard-fought election campaign that left the Virginia Senate divided evenly between Republicans and Democrats, the parties have come up with a unique power-sharing arrangement. Legislators say they are trying to avoid the kind of gridlock they see in Washington so they can deal with the issues facing the state.

NPR's Vicki Que reports on a new test to determine whether people have a gene that's linked to Alzheimer's disease. She says there's an ethical debate among physicians over whether it makes sense for people to know in advance that they're likely to get a disease for which there's no cure.

Daniel talks with Rhode Island governor Lincoln Almond about the status of an oil tanker that ran aground off the coast of his state Friday night. The barge is carrying more than 3 million gallons of home heating oil and has leaked more than 720 thousand gallons so far.

Daniel speaks with editorial page editors Jane Eisner of the Philadelphia Inquirer, Tom Bray of the Detroit News, and Mindy Cameron of the Seattle Times...about some of the stories they feel were underplayed by the media in 1995. Included are issues of race, the internet, and the press's responsibility to provide solutions as well as criticism of issues it covers.

SCOTT DISCUSSES THE YEAR IN BUSINESS AND THE ECONOMY...AND WHY BOOMING STOCK MARKETS HAVEN'T MADE MANY WORKERS FEEL MORE SECURE....WITH REGULAR VISITOR AND FORTUNE MAGAZINE COLUMNIST JOE NOCERA.

Daniel talks with political analyst David Frum and historian Todd Gitlin about why the political left hasn't reacted more to Republican proposals calling for cuts in social welfare programs. They also discuss the tensions within the Republican party that have resulted from the struggle to balance the budget. David Frum is contributing editor of "The Weekly Standard." Todd Gitlin is author of the new book, "The Twilight of Common Dreams: Why America is Wracked by Culture Wars" (Metropolitan Books). Gitlin also teaches at New York University.

Last week we asked our listeners for their New Year's resolutions in Limerick form. Tonight we'll hear some of them.

Joe Richman reports from New York City on how movies have helped immigrants in the United States learn to speak English. Going as far back as the Great Depression newly arrived foreigners, while seeking entertainment, also received a lesson the English language and American culture.