we have that with unitedhealth group.hey are buying physicians across primary care and other specialties. we have humana in home health and hospice. we have anthem in home and community retail care centers for complex populations. cigna, they need to do something as well. aetna and cbs are building out retail clinics on their distribution. through tele-dock and pharmacies it is important these players create those various entries. they are obviously very ambitious. caroline: disruption knows no bounds. we thank you for your insight. they for the bloomberg business flash. job cut's from the biggest lender, wells fargo. mortgagecond quarter fees fell by a third. the lowest in five years. .hares of papa john's rising the struggling pizza chain has hired bank of america to help stabilize. there is no sale process underway. the founder resigned as chairman over using a racial slur. that is your bloomberg business flash. surgingd software maker today reaching an all-time high as it is benefiting from its corporate i.t. spending

here i like the health insurers, chiefly unitedhealth group, you can follow along by joining the actionalerts.com club. humana, which we just profiled, humana which is part of the health maintenance that we continue to profile, and let's remember the ospital, hca, which we profiled just last week so hospitals and health insurers i'm indifferent to which ones you pick they're indifferent, they're crushing the numbers and the stocks rarely come down. about your only opportunities to buy this into week answer. they don't sell off. so use it. third, i think the largely domestic retailers will still work, even though they're up a lot, particularly the discounters. here i'm thinking about burlington and dollar general, but also kohl's because its tie-in with amazon where you can return its merchandise by walking through kohl's' stores jpmorgan matthew boss recommended on halftime. you remember my game plan last week macy's reports at the end of the week maybe it's going to be good. don't overlook the apparel cohort michael kors was extraordinary last week. ralph lauren has been on a tear. the old coach