We broke the story ... Heidi Klum is the new "mystery" 4th judge on "America's Got Talent" -- now we talk to Heidi and Howie Mandel about the show's new lineup -- and you gotta hear what Heidi says about Howard Stern ... and her wardrobe! Plus, Brendan Fraser says he's $90,000 in the red EVERY month, and needs to lower his spousal support -- but we've got a break down of his expenses ... and a few ideas about where he can start saving. Also, why the hell was Dave Matthews Band violinist Boyd Tinsley jamming in Grand Central Station like your average street musician? We got Boyd live in NYC with some answers.