all right, welcome back. let's get an "early start" on your money this morning. futures higher open on wall street today. banner day today. records for the s&p 500. the dow, s&p and nasdaq with up for the year. health care expenses are growing and salaries aren't keeping up. employers are asking workers to contribute more to premiums, 56% of companies ask employees to pay bigger premiums. 59% will this year. that means less pocket money to cover unexpected medical bills. two-thirds say they would not be able to handle the financial costs of a serious illness or injury. >> google the building prototypes. they don't have steering wheels, no pedals. they rely on software.