understanding of what is going to happen on a level playing field so we can make decisions. >> the clive cliff right now s it changing your decisions or affecting your business decisions? >> frankly, whatever hand i get dealt by the fiscal cliff, whether it's good or bad i'm going to figure out how to play and how to push forward. and so i think that the uncertainty that it is creating is making me worry about my decisions a little bit more but i'm not sure, i don't think i'm actually changing anything. >> congress is mailing out a deal and trying to come up with a solution for this. what could they do that would actually help you right now? what's the best outcome that could come from this? >> i am just hoping for a deal. i think that if we have a deal there will be more confidence, there will be more certainty. and i could envision another robust economy. and that's what we all want. >> we need to come up with a plan that we all can agree to and be willing to give up a little bit in order to gain a lot. >> i agree with both of you guys. i think the worst thing that can happen, the worst decision would b

economy will go off the fiscal cliff. s spending cuts would take effect. -- a deal will not be easy, because both sides if are involved in a high-stakes political blame game. >> we are here in washington working. the members of the house of representatives are out watching movies and watching the kids play soccer and basketball and doing all kinds of things. they should be here. >> i told the president will be happy to look at whatever he proposes but the truth is we are coming up against a hard deadline. as i said, this is a conversation we should have had months ago. >> democrats want to extend bush-era tax cuts to everyone except those americans making $250,00 or more per year. many republicans are against any tax increases. most americans just want something to be done. >> people are tired of partisanship and they want everyone to come together. >> if lawmakers don't reach a deal by january 1, many economists are concerned it could eventually lead to another recession. >> misinformation on the deadly subway attack we ha

fiscal cliff has embarrassed the speaker, but the speaker's failure means a solution to the fiscal cliff sif they're going to be one, now resting squarely upon president obama. arsine to be vacationing president alone cannot propose legislation that wins majority support in both the house and senate, and the decision to go over the fiscal cliff now depends on his ability to successfully negotiate and to forge a compromise that appeals to both republicans and the far left in mr. obama's party. the president met with senate majority leader harry reid this afternoon and talked with speaker boehner to begin anew that effort to reach compromise. >> averting this middle-class tax hike is not a democratic responsibility or republican responsibility. with their foes the american people have determined that governing is a shared responsibility between both parties in this congress laws can only pass with support from democrat and republicans, and that means nobody gets 100 percent of what they want. lou: there are only ten days remaining to the fiscal ciff. president obama headed to value within ac

and investors cuts their pace today with setbacks in the fiscal cliff. s13 rand the nasdaq tumbled to 29. now, back to "hardball." >>> it's official. president obama announced he would replace secretary of state with john kerry. >> i'm very proud to announce my nomination for secretary of state, john kerry. in a sense, jorn's entire life has prepared him for this role. as the son of a foreign service officer, he has a deep respect for the men and women of the state department. having served with valor in v t vietnam, he understands that we have a responsibility to use american power wisely, especially our military pow. >> what does today's announcement mean for the president's second term. and what does it mean for kerry's senate seat? susan milligan and robert costa. >>> susan, president obama and senator kerry have shared a unique history over the past eight years and that's something that the president referred to today. >> of course, i also have to say thanks because john invited a young illinois state senator to address the democratic convention in bo

boehner made comments about the continues impasse in trying to resolve the fiscal cliff. s&p down 23, down three quarters percent. and the nasdaq is down about half a percent. bob joins me on the floor of the nyse. the market is very undecided about what is happening in washington. what the feds know that perhaps we don't know. >> we are getting smacked around by these two separate events. the fiscal cliff as well as aftermath of what went on with the fed. i think the fed is still very important here. take a look the dow industrials. remember, we started moving down right after we saw mr. bernanke give his press conference. we talked about fiscal cliff having problems, not having the tools to deal with the fiscal cliff. the fed not having it, should we go over that. there we are dealing with the aftermath. remember something folks, september 14 is the high for the s&p this year. you know why that is important in september 13 is the fed meeting. they bought into the fed meeting and sold right after that, sue. and they are doing that again today. we are repeating what happene

speaker boehner's latest offer could get the fiscal cliff talks moving again, helped stocks move nicely higher: the dow rose 100 points, the nasdaq added 39, the s&p up almost 17 points. but with time running out to reach a deal, what happens on wall street, if we go over the cliff? suzanne pratt reports. >> reporter: one thing is for sure, wall street can count. that means investors know there are just nine trading days left until tax hikes automatically take effect across the nation, and hit americans where it hurts: their wallets. and, investors are also aware there are even fewer days before lawmakers are scheduled to leave on holiday break. despite the ticking clock, many investors remain optimistic there will be a deal between congress and the white house before the ball drops in time square. veteran trader jonathan corpina agrees there will soon be a resolution, but he thinks the news will be a big ho-hum for stocks. >> i think the sentiment of a deal solution is already priced into our market right now. so, what does that really mean. when we get news that a deal is in place or partially in place will we get a huge upswing in the market.

cliff negotiations in washington. after trading near breakeven for most of the day, the dow moved up in the last hour of trading to close up nearly 60 points. the nasdaq added six, the s&p up almost eight points. >> susie: on capitol hill tonight, lawmakers in the house of representatives are getting ready to vote on a fiscal cliff bill. house speaker john boehner calls it "plan b" and it is expected to be a close vote. the bill proposes to extend tax breaks for everyone making less than $1 million. the move comes as talks to avert the fiscal cliff hit an impasse. darren gersh reports. >> reporter: as washington looks over the edge of the fiscal cliff, democrats and republicans were throwing elbows and getting personal. speaker boehner explained why he pushed the house to vote on a republican plan "b" tonight. >> i did my part, theydid thing. and frankly, i'm convinced that the president is unwilling to stand up to his own party on the big issues that face our country. time is running short. the house will act today, and then it will be up to senate democrats and the president to act. >> reporter: the white house has already declared plan "b" dead and buried, branding

you talk about the fiscal cliff. rg3's knee, that's the story in washington today. redskins fans holding their breath as griffin was helped off the field. backup, curt cousins. 36 seconds left. connecting with pierre garcon for the touchdown. cousins was running the two-point conversion, we're headed to overtime. headed for 28. just over 1:00 gone punting to richard crawford. he gets to the 10 yard line. sprints up the sideline. finally run down the field after a 64 yard run sets up a 34 yard field goal to try to win it. it's good! redskins come back 31-28. they move to 7-6. >> after the game of course everyone wants to know how's his knee doing? mri came back negative for a torn acl. the diagnosis of sprained right knee. >> you're a doctor too in addition to a lot of guys. >> renaissance man. >> 245es very good. >>> the giengts needing a win over the saints to hold onto the nfc east lead. first quarter giants down a touchdown. this is david wilson. slightly fast. the rookie from virginia tech finds a little daylight. gone. kicker, come on, harley. he tried. well, w

s stock market. despite all those worries about the fiscal cliff and maybe slower growth in the u-s economy, the stockhad a great year. too bad you missed out. the smart money has been in the market. the rest of us have been worried about the fiscal cliff. number eight-- facebook's i-p-o. hundreds of millions of people like facebook, but investors did not on its first day as a public company. trading glitches at the nasdaq and questions about the company's ability to make money on mobile users pummeled the stock, which has yet to climb its way back to its i-p-o price. number seven-- mother mayer. the new c-e-o of yahoo, who announced that she was just going to take a two-week maternity leave as she tried to turn this company around. 37 years old, looks like a mother's touch was just exactly what yahoo needed. number six-- mother nature. an intense drought in the midwest that scorched the corn and soy crop, sending prices sky high. who can forget superstorm sandy? neighborhoods along the northeast swept away, millions without power and damages as high as 50- billion dollars, raising lots of questions a

leader saying it's very likely we will go over the fiscal cliff and triggered the sell-off in the dow jones industrial average. you look at the s as well, weaker throughout the session and now turning negative with fiscal cliff fears starting to build with just a few trading days left in 2012. to the measure of fear is up. in the last six sessions, up 31% and hit its highest levels since breaching the 20 level in the first five months. it is still less than half during the debt crisis of 2011, much higher and we are seeing the fear increase slightly approaching the new year. taking a look at sectors, broad-based clients, telecommunications and utilities and discretionaries. the best performing sector this year, reversing its position from 2011 the worst performing sector. today, it's under pressure because of the crashed companies pulling back but there has been a rebound. as banks balance sheets have gotten healthier, going into 2013, will there be enough to drive the earnings in the beginning of the year. going from worst to first. utilities, the worst in 2011 and 2012 set up to be the worst performing sector. they were posit

>>>dow down, weakness on the retail sector and worries over the fiscal cliff keeping low. snd nasdaq also in the red. >>> today's price report shows average home prices up more than 4% in the 20 largest markets, prices here in the san francisco bay area are up even more. prices jumped 8.9% in october compared to the same time the year before. they increased .7% froms. that bucked the national trend where values dipped compared to september. >>> today on the news at five the latest on that body found in santa rosa, also the weather remaining an issue for parts of the bay area though the storms have moved out. and a look at the trouble spots and in the sierra where a storm warning is in effect for the rest of the day and there are concerns up there about some avalanches. thank you for trusting us. we will see you the next time news breaks, also always here  at ktvu.com and mobile ktvu. have a great afternoon everybody. [ female announcer ] now get high speed internet at home on our newly expanded advanced digital network, a connection you can count on. introducing at&t u-ver

cliffs. >> i think it will be s super bowl cliff. if people start to freak out. two weeks from now you will be seeing it in your paychecks. you will pay about a thousand dollars more in unemployment benefits will be gone. >> how can we get over this? >> that probably retroactively and then they will say that the lord your taxes because it will go right back up. >> we do have a bill to% payroll deductions that are borne away. there will be a 2% increase their attitude% increase from the bush taxes. >> everybody will get a big surprise when they get the first paycheck prepared do you really feel that if we get closer and i do not have a deal will we see the dow lose? >> who cares! >> just look at this as a 10% sale. keeping in mind that we already know that the clintons want to happen. evaluations on wall street --there are pretty cheap and will be higher this time next year. >> we will be back with rob at 9:15 a.m.. >> 6:51 a.m.. we would like to get a look at our weather. it is another very cold morning. >> it is just as cold as it was yesterday. we are in the up

encouraging data on fewer new unemployment claims over- shadowing the lack of progress on fiscal cliff talks. the s&p 500 tried to make some gains early in the session but just couldn't hold on. as more discouraging rhetoric came out of washington, the index fell until the 3:00 hour eastern time. it finished lower by six tenths of a percent. this breaks a six-session winning streak. volume was steady from yesterday-- 662 million shares on the big board; just over 1.8 billion on the nasdaq. all ten major stock sectors were lower, led by the nine-tenths of a percent fall in both the health care and energy sectors. drug maker merck led the drop. shares fell 2% with volume a little heavier than usual. merck was the biggest percentage loser among dow industrial stocks. shares have seen nice gains since the spring time. it is up 16% this year. pharmacy retailer cvs had two pieces of good news for shareholders-- a 38% increase in its quarterly dividend, and its outlook for next year's profit growth was better than anticipated. that sent shares higher by 2%, closing at a 52 week high. it was a different ou

journal" finds americans believe the republican party has already gone off the cliff, an image cliff, that sate team crunched the numbers and found 45% of the viewers had a negative view of republicans, only 30% approve of the gop. as for democrats, 44% approve, 35% disapprove. joining me now a closer look at the numbers, nbc political editor mark murray. mark, you know d.c. so well and we know the optic story matters. when you look at these poll numbers, i mean there is a common theme here. >> there is. and common theme is that president obama has the upper hand in these fiscal cliff negotiations and everything else going on right now, precisably because the perceptions of the party right now n fairness to the republican party, tamron this is what almost always happens, a party loses a presidential election, the numbers go down. ask respondents in a word or phrase their perception of the republican parties and with the republican party, 65% of the comes were negative, includes more than half of republicans. even republicans were criticizing their own party and that, to me, is very interesti

bernanke, if i could follow up on your last response there, given on the fiscal cliff, it s it possible if policy makers didn't agree to a deficit deal by the end of the year and we were to two over the fiscal cliff that size of the asset purchase could indeed grow in response to that. and more specifically the coined the phrase fiscal cliff. and i want to get your take on whether you feel it is still the most appropriate language to describe what will happen at the againing of the year. some are some americans alarmed by the term. do you feel it is appropriate with the fiscal contraction that would come if there is no deal? >> well, the first part of your question is, it is the economy went off the fiscal cliff, our assessment, cvo, all think there are adverse effects on the economy and unemployment rate. so on the margin we would try to do what we could. perhaps increase a bit. but again, i i want to be clear that we cannot offset the full impact. it is too big given tools and limitations on policy tool kit at this point. on terms of the terminology, well, and people have different pr

if we don't get a fiscal cliff issue the s&p we are seeing right now is going down considerably. dave: i have heard other people say it has been the uncertainty, even the possibility of not reaching the market before we go off of the fiscal cliff has been worked into the market. you say no way. >> no way this has been worked into the market because we have had decent underlying economic strength but not enough to justify what we have going here. if we get a fiscal cliff agreement, yes. but this fiscal cliff agreement or non agreement is not baked into this market. dave: watch out below. have a great weekend. we will come back when the s&p futures closed just to get a preview what might happen monday morning. liz: we have jasonmac pride, director of investment strategy and wells fargo advisor's managing director. i don't know if you heard dan say it is the fiscal cliff, that is it. that is one thing that matters. do you agree? if so the ways to invest around it, over it, through it. >> it is the preeminent issue of the market. the key thing with the fiscal cliff is there are some

the question at this point is, what impact could going over the cliff have on the u.s.'sng. let's bring in sean egan from egan-jones, he's on the phone tonight. if we go over the cliff, i'm assuming the credit rating agencies, other than yours, the others ones, there's a certain amount of time during which they can review the ratings and then decide. it's not an automatic thing. >> that is correct. the first step is to put it under review. then there will be an assessment of how badly we go over the cliff and also whether there will be any reform on titlements. the deficit has been improving. the federal deficit has improved over the last couple quarters. >> so is it the case that perhaps because the economy has done better that perhaps that would save us from a credit rating downgrade even if we go over the cliff? >> i don't expect another downgrade from the other rating firms. the next step would be putting it on negative watch. all three major credit rating firms have a negative outlook. the next step is a negative watch and then a downgrade. we don't expect that to ha

cliff shark tank. >> excitement. >> reporter: s this doomsday. >> but i'm confident -- this is doomsday. >> but i'm confident that congress will see the will of the people. >> reporter: he says he's excited about making sure his supporters know he is ready to hit the pavement running. one supporter in particular. >> my own mom at christmas dinner told me do not raise my taxes. she is following just like other americans what's going to happen with the fiscal cliff. >> reporter: representative elect swalwell says his new office in d.c. won't be much bigger, but the responsibilities monumental. his message? >> mom, i'm working for you. i'm receiving your text messages and i'm going to make sure that i stand up for you and the people who i grew up with. >> reporter: swalwell will be the second youngest member of congress when he's sworn in january 3rd. he leaves this sunday for washington d.c. to pick up his new keys to his office. in dublin juliette goodrich, cbs5. >> he better listen to mom. good luck. >>> a storm that left record snowfall in arkansas and some 200,000 customers without power is headed into eas

mmrning.there is ssill no deal on capittl hill regardiig the so called 'fiscal cliff' and today is the deadline for went home last night without s on a fiscal cliff package but negotiations will continue today after hitting aa standsttll.at odds?the income larson says: "we understand why we can't bring uppuddled - proposals that can ggt the country back to work, why we can't deal with a tax cut for the miidle class, especially when both sides agree the country needs to go back to class tax relief. reliif.thune says there's a pot offgive and take right now but republicans donnt wanttto see new reveeues be used for new spending." sppndinn.. if a deal is taxes will go up for áeveryá american. if you want to see how much your taxes would go up without the fiscal cliff agreemmnt.. gooto foxbaltimore dot com some new laws go into effect in the new year... ere in maryland... arsenic is now banned in chicken feed...it's in order to help protect the cceeaeakk bay from toxins.. pnd ... anothee new law... helps parents beeter prooeet thier children from idenity theft....ii allows them to freeze their child's credit at any time. and... same

fiscal cliff or not, the s&p 500 is up 12% year to date. that is a handsome gain for investors, an optimistic year, believe it or not. and we already bailed out detroit's auto industry. but now, at least one motown politician is telling president obama he should bail out detroit bankrupt city government, too. this sure isn't the free market, and i asked why should a texas taxpayer bail out detroit? >>> breaking news from syria, and it is a blockbuster. the assad regime is walking and loading its chemical weapons, ready to use them on its own people. nbc's chief pentagon correspondent joins us now. jim, is this the red line president obama was warning about? >> well, not quite yet. u.s. officials tell us that the syrian military is poised to use chemical weapons against their own people, and all it would take really is the final order from syrian president assad. but we have learned that as of today, all the precursored chemicals for that deadly nerve gas have in fact now been loaded on to aerial bombs, but those bombs are still in the depot

of the trading session today with top leaders meeting to discuss possibly averting the fiscal cliff. the sn now five points and dough down, up in december by three points, a nail biter looking at it like that. the vix index is something we have to talk about, it's the fear in the market place, it's 20.18, a spike of 3%. back to you. adam: the only person to make red look good. >> why, thank you, adam. adam: have a good day, see you in 15 minutes. oil down the second day as the eia to a nine month high. looking at the oil demand, there's a big drop in gasoline demand in the latest week, and this is in the face of the gasoline demand in the latest week. this is in the face of the latest concerns of the fiscal cliff. a nine month high in the latest week. demand is being described as very soft. another figure in the crude oil market from a trader's perspective, wti trading down 50% from its 100 day average. we are seeing. light participation from traders and that market, as well. crude oil prices down 8%. natural gas, this has been a winning commodity for 2012. best performer on the cme right

discussed as the two men try to strike a deal from sending the country over the so- called fiscal cliff. fox 5'sob barnard with the latest development. >> perhaps the phone call is a sign the two sides are trying to kick start negotiations on a tax and spending plan before mandatory cuts in government spending and tax increase goes into effect in less than a month. maryland congressman chris van hollen says he thinks there's only a 50/50 chance a compromise will be reached by the looming end of the year deadline. >> i hope we can come together. it's important to avoid the fiscal cliff. it's also important to do it the right way. >> doing it the right way obviously depends who you're speaking to. i asked maryland democrat chris van hollen, ranking member on the house budget committee, what happens if the white house and republicans in congress cannot reach a deal by january 1st? >> it doesn't necessarily mean january 2nd, you know, the world falls apart, brought it does mean is if you go into january, you know, deeply into january without having resolved these issues, taxes will go up across the

s&p is down 3.33 at 1423. five days left until the fiscal cliff deadline, and though the market has been very resilient to this point, what happens if we go over the cliff and if lawmakers cannot get it together come january 1st? will it be a big meltdown for wall street? that's what everybody wants to know. >> certainly hope know. in today's "closing bell" exchange, former chief economist of the vice president joe biden, oliver perch from gary goldberg and matt cheslock and rick santelli, thank you very much. jarred, you wrote an article

before the u-s economy goes over the poocclled "fiscal cliff."en automatic taxx increases and spending cuts would take effect. democrats wann to extend the bush-era tax cuts to everyone except ttose americans making 250- thousand dollars or more a year. but many republicans remain gginst any tax increases. if lawmakers don't peach a deal by january 1st... it could eventually lead to another recession. with all eyes on thh fiscal cliff... there's anothee deadline quickly approochinn that might have consumers concerned... the "milk cliff." it's part offa stalled farm bill... that includes nearlyy35-billioo- dollars in cuts. f the bill doesn't make it throuuh congress before the end of the year... the government will be forced tt buu vast quuntities of milk under a trummnnera law. that could send as 6 to 8 dollars ggllon... because the government would the wholeeale rate... under a pre-filed bill in the general assembly... is looking to make soft-shell crab... the official maryyand sannwicc.the senator richard colburn... an eastern shore republican.

cliff. the senate convened its rare sunday session with a prayer for progress. the house returned from its holiday hours until the u-smy goes over what's being called the fiscal cliff - lawmakers are locked in a fierce face-off over a set hikes. "we're apart on some pretty big issues." " >> i'm willing to get this done, but i need a dance partner." >> reporter: on n-b-c's meet the press, president obama made a final pitch for his plan to preserve bush era tax cuts for everyone but the wealthiest americans. >> "regardless of partisan differences, our top sure that taxes on middle that would hurt our economy badly." >> reporter: a major sticking point continues to be the annual income level at which those tax increases should kick in. the threshold has wavered from 250-thousand dollars to as high as one-million dollars. republicans argue the country doesn't have a tax revenue problem, it has a spending problem. >> "unless we do something about spending, the government will continue to get bigger and the deficit will continue to get bigger." >> reporter: following the president's interview, speaker of the statement sayi

with both republican and democratic leaders to try to fine an agreement on avoiding that fiscal cliff. fox5'st capitol hill now with the latest. good morning, sherri. >> reporter: good morning, wisdom, good morning, tony. they are getting ready for the inauguration here at the white house. before that happens, the president and congressional leaders have some work to do. they'll meet today at the white house to try and reach a deal on that so-called fiscal cliff. if that happens, it would trigger increases and massive spending cuts, likely sending the country back into recession. the president called the top four congressional leaders late last night. they'll meet at the white house this afternoon, trying to find a way to avoid that fiscal cliff. the house won't return to work until sunday evening and republican leaders say they could be in session until january 2nd, the day before the new congress is sworn in. democratic leaders say congress owes it to americans to be back at work, and republican leaders say it's senate leaders who have failed to act. both sides are blaming each other for pu

what about right now, mark, with what the president is trying to do, 9 fiscal cliff, other issues s this a factor? >> i think it's probably a disincentive about not reaching a deal. i mean i think this adds a little sense of urgency of the economy is precarious. and therefore we don't need to test it by putting it in a further stress test of not having some sort of resolution of the current dilemma. >> what about the fiscalve? i mean where does everything stand? we had speaker boehner come out today and say no progress. >> yeah, i think that was just the public show. i think there has been progress. not substantive progress but atmosphere progress. i think the republican party, i think the house republicans have rallied around speaker boehner. the ones troublesome for him a year and a half ago have essentially said you cut the deal, we'll go along with you. you have our support. so that is a big gift of flexibility to boehner. and i think it's an acceptance of the reality that rates will have to go up at least a little. >> as for the president, we done know much. but my sense is that the

cliff. the house and senate return to work tomor s reporter tara me >>> the clock is ticking as congressional leaders struggle to avoid the "fiscal cliff." the house and senate return to work tomorrow. cbs reporter tara mergener on what senate leaders are doing to come up with a last-minute compromise. >> reporter: house majority leader john boehner and senate minority leader mitch mcconnell were in the capital building today hoping to beat the deadline to the luge "fiscal cliff." >> got to get a deal? >> hope so. >> reporter: behind closed doors, senate leaders are cobbling together a pared down agreement that at least protects the middle class from tax increases january 1. it won't address deficit resit, across-the-board spending cuts or other issues. in both party addresses, it's clear a big sticking point remains. >> it's a balanced plan one that would protect the middle class, cut spending in a responsible way, and ask the wealthiest americans to pay more. >> the president's tax hike would only fund the government for 8 days. americans deserve to know what is the president proposing we d

cliff. the dow and s&p 500 gained post-election day tumble. the dow climbed 13 points for its fourth straight game. >>> more trouble for once untouchable apple. jeffries cut its price target by 100 bucks down to $480 a share. shares fell by more than half a percent on the news. >>> now on to our top story. tonight is taxes and how hard we are all about to get hit. there are already a trillion in tax increases baked right into the obamacare law and that means upper being in earners will see billions of dollars in tax hikes as it is. for democrats it is not enough. with republican lawmakers backing off the pledge not to raise taxes looks like tax hikes for the wealthy are certainty. joining for more, grover norquist, president of americans for tax reform. thanks so much for joining us. >> absolutely you say a lot of people are missing the fact that obamacare baked in a ton of tax hikes for wealthier americans as it is? >> people talk about the fiscal cliff as if it is one thing. it is three. there's the obamacare taxes. to pay for obamacare were

we'll be monitoring those fiscal cliff negotiations, and we'll have news and analysis. we'll also a look back at the year in stocks, and s&p's sam stovall joins us to pre-view what's next for the markets in the year ahead. it could be one of the biggest trends in business next year: companies setting aside time for their employees to play. ruben ramirez explains. >> reporter: it may be hard to remember those hot summer days on the playground. the freedom to let your mind wander. how times have changed. as companies slashed jobs during the great recession worker productivity surged, today, many people are doing the job multiple people once did. >> i think our culture has gone in some direction where we feel like if we took a break we'd be considered irrelevant in the workplace and they don't need me. >> reporter: cary umhau's firm spacious is trying to re- introduce the idea of play to the workplace. tech companies have embraced play for years. at google employees get one day a week to work on their own projects. gmail and google news were born from that free time. >> increasingly you'll see businesses embrace play or uns