this isn't the first time united's pacificare has been in hot water. it paid $2 million to california to settle charges it refused to pay claims for h.m.o. policy holders.  >> susie: new figures show a record number of americans are dipping into their 401(k) accounts before retirement. financial planners say that should be a last resort, because of penalties and taxes. but tonight's "money file" has a slightly different view. here's eric schurenberg, editor- in-chief at bnet.com and editorial director at cbsmoneywatch.com. >> in the past 12 months, one in every nine 401(k) participants has borrowed from his or her retirement plan. that's more people raiding nest eggs than at any time in the past 10 years, and it has occasioned all kinds of hand- wringing from financial advisers. now i'd be the last guy to encourage you to borrow unnecessarily. but sometimes you need a loan, and these days, a 401(k) might be your best source. with minimal fees and no credit check, you can borrow up to half your vested stash, or $50,000. the interest is around 4.25% the

california is seeking fines of just under $10 billion from a unit of health insurer united health group, alleging pacificareiolated state law nearly a million times from 2006 to 2008. >>> coffee hit a 13-year high with a price up about 43% in just the past three months. >>> and, finally, a clever german farmer has opened up a milk filling station. open 24 hours a day, seven days a week, customers insert money, put a container under the nozzle, press a button, and you get fresh milk straight from the cow. poor cows. >>> well, multiple homers, a walk-off homer, and a fan who makes the catch but can't hold on. >>> plus, michael brantley saves the day for the tribe, at least temporarily. your early morning sports headlines are straight ahead. >>> the big story on this thursday, the heavy rain in the middle of the country. your national forecast is coming up. you're watching "early today." my name is vonetta, and i suffer from allergies. [ male announcer ] we asked zyrtec® users what they love about their allergy relief, and what it lets them do. the thing i love most about zyrtec® is that it allows me to be out