dr. jackie is here to help us out. first off, dr. jackie, we have a flexible spending account, you say you head to the pharmacy, what do you advise us to buy? >> you should take the cart and start stocking up. like the over-the-counter allergy medications, motrin, cough medications, you can even get a contact lens solution with those flexible spending accounts. basically you use it or you lose it. so buy up before the end of the year. >> you also advise patients to get those 90-day prescriptions filled. >> right. it's the same thing here, which is you get the prescription, if you get it filled today, it will be good for 90 days. you're coming up under the deductible and co-pay you already met. think about the things you don't need until spring but get it now when it doesn't cost you a thing. >> a lot of people wait until the last minute to see the doctor before the deductibles kick in again. >> the people you already had the opportunity to already pay for. the people like the dentist, certainly your pediatrician if you haven't had the