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out-of-pocket expenses that would have been covered if you chose a different plan. >> true. >> rick: kyle harrington, thank you. good to see you. >> arthel: based in san diego. thanks kyle. president obama and governor romney both hoping for a game-changing moment in next week's debate. here's one of the most famous debate responds of all time, then governor ronald reagan and president jimmy carter. will we see a similar moment this time around? >> governor reagan again, typically is against such a proposal. >> governor, there you go again. ♪ leaving my homeland ♪ pling a lone hand ♪ my life begins today ♪ ♪ fly by night away from here ♪ ♪ change my life again ♪ ♪ fly by night, goodbye my dear ♪ ♪ my ship isn't coming ♪ and i just can't pretend oww! ♪ [ male announcer ] careful, you're no longer invisible in a midsize sedan. the volkswagen passat. the 2012 motor trend car of the year. that's the power of german engineering. droid does. and does it launch apps by voice while learning your voice ? launch cab4me. droid does. keep left at the fork. does it do turn-by-turn navigation ? droid does. with v