budget to save as really an -- a budget item to save for medical costs that you may or may not have covereddedt medicare, but the reality is, if you save, you have a choice, okay? like in one of the clients, she's 51, $1500 a month is her medical premium because she's prereteared, and we took annuity and prefunneledded it so when she does officially retire, she'll have the money to pay for her premium costs. at least she has a choice. gerri: it's a difficult topic, not a lot of solutions for folks out there doing it on their own. thank you so much. >> thanks, gerri. gerri: well, a lot more still to come this hour, nearly all systems a go op the keystone pipeline other than president obama's stamp of approval. latest with the man leading the fight in canada, and is apple rotten? latest earnings report two hours ago with enough to turn the stock around. details ex-. -- details next. ♪ [ male announcer ] with free package pickup from the united states postal service a small jam maker can ship like a big business. just go online to pay, print and have your packages picked up for free. we'll do the

>> i'd like to come back to a question that was coveredded, but i think it maybe could be covered eventhat's of issue of the funding from smaller donors that really can't start until the nominee is a presumed nominee, and, yet, that funding is much more effective in terms of advertising, what it buys, and in terms of grassroots and so on. both parties will be in that situation in 2016 with the primaries. so how would, you know, knowing what you know about how it works, what can the candidates do, or how can the party, you know, somehow get things going before people really are willing to step up because even if the -- even if the conventions are in july or i can't quite imagine may, but, you know, earlier, there's going to be this big problem after that where small donations are going to be particularly important, and, you know, you faced this right after the republican convention. >> uh-huh. >> from all i know, you were the advertising that had to go quite quiet there for a period, kind of a critical period in the democratic convention and soon after that, so any thoughts that either