it's not as if the very day you're handed it by hr, voila, you pick health care. it takes time. i think people who really need it are going to get it. >> the optimism corner. joy reed. okay. after the break, the city of detroit heads to court to prove it is eligible for what would be the largest municipal bankruptcy in u.s. history. we'll talk 911 in the 313. that's next on "now." huh, fifteen minutes could save you fifteen percent or more on car insurance. everybody knows that. well, did you know that when a tree falls in the forest and no one's around, it does make a sound? ohhh...ohhh...oh boy! i'm falling. everybody look out! ahhhhh...ugh. little help here.