jennifer mallon represents 23,000 privately-owned pharmacies with the national community pharmacists association. >> frankly, one of the concerns that we have is that even if there are alleged efficiencies we are very concerned that those alleged efficiencies will not be passed on to consumers in terms of cost savings. >> reporter: but in okaying the merger, the f.t.c. anticipates more competition coming from health insurers themselves. for instance, next year united healthcare will switch to its own pharmacy benefits unit. >> tom: while the s&p 500 may be at its highest level since the great recession, insurance, taxes and television haven't exactly been hot stocks. that brings us to tonight's word on the street: contrary. gregg greenberg is a reporter at thestreet.com. so gregg wrkts market in post recession highs is contrary simply an investment, something that just hasn't rallied? >> well, to a certain extent, as we all know on wall street, eventually the last becomes first. that is a great way to make money. everyone says you want to buy when there is flood in the street so it i