To watch "the memo" click here.

Hi, I'm Bill O'Reilly.  Thank you for watching us tonight.

A tale of two out-of-control organizations.  That's the subject of this evening's Talking Points Memo.

The Immigration and Naturalization agency has approved student visas for Mohammed Atta and Marwan al-Shehhi.  Of course, both terrorists are dead, killed in the 9/11 sneak attacks.  But the INS, six months after these notorious terrorists made the front pages, deemed to send them approval for their student visa applications.  The approvals were to attend flights schools.

So why did 9/11 happen?  Well, you can lay part of that right on the doorstep of the INS.

President Bush is said to be furious.  His administration is roundly embarrassed.  But being furious is not enough.  INS boss James Ziegler, a Bush appointee, should be immediately fired, and that organization should be reorganized and placed under the jurisdiction of the White House itself.

A presidential counsel should be appointed immigration czar and clean out the INS once and for all.  This pitiful government agency has put all of us in danger.  It simply does not perform, and all the excuses in the world don't cut it.  Shut it down, start again.  The INS is a dangerous failure.

And then there's the Red Cross, in yet another embarrassing episode.  The Red Cross in Orange County, California, told the high school choir it could not sing "America the Beautiful" or "God Bless America" at a Red Cross event because the songs contained references to God.  The students pulled out of the program and we applaud them.

After the story broke, the Red Cross apologized and said it had made a mistake, but not before another statement was issued saying the Red Cross did not want the songs included because it is sensitive to, quote, "religious diversity," unquote.

Well, I'm sensitive to abject stupidity, and enough's enough with the Red Cross, from their bungling of the 9/11 fund for the victims' families to the Guantanamo squawking to the songs issue, this organization is finished in my eyes.  The top brass at the Red Cross make hundreds of thousands of dollars a year, so they don't need my donations.  I'm officially boycotting the Red Cross until they change their national leadership and their attitude.

I fully realize may local Red Cross outfits are not foolish and inefficient, so my boycott does not extend to them.  But the Red Cross desperately needs an overhaul, and only financial pressure will make that happen.

The Most Ridiculous Item of the Day

Time now for "Most Ridiculous Item of the Day." 

The Factor expands.  Beginning May 8, the Radio FACTOR will be on the air.  I'm doing a two-hour mid-day radio program, produced by Westwood One and Fox News.

WOR Radio in New York and KABC in Los Angeles are just two of the stations that will be carrying us.  We hope there will be many more across the country.  The Radio Factor will be a companion to the TV Factor.  We'll take your calls about important stories and give you a chance to sound off right in my face.  And we'll have more time to grill newsmakers and other assorted guests.  Two hours instead of six minutes, you know.

While many think it's ridiculous, because they don't like me, we think you'll like the Radio Factor, at least we hope you do.  We'll be announcing all the stations that carry us as they sign up.  May 8th, Radio Factor.

— You can watch Bill O'Reilly's Talking Points and "Most Ridiculous Item" weeknights at 8 & 11p.m. ET on the Fox News Channel. Send your comments to: oreilly@foxnews.com