This episode is brought to you by Network Rail.

It's easy to disappear into your own bubble when you're out and about,

whether you're lost in your thoughts or lost in nature.

The last thing on your mind is the danger of trains at level crossings.

Beware the bubble, stay aware, take care and help us keep you safe at level crossings.

I'm so glad you're with us here on the Clark Howard Show where it's all about you and that wallet you're carrying.

I want to make sure that you stretch every dollar.

Coming up in just a few minutes in today's Clark Regist moment,

Wells Fargo, having to pay huge fines again,

this time roughly $400 million, I'll fill you in on what they've been up to.

This is a bank that just can't seem to do an honest business.

And coming up later, I got news for you about fall travel really good for your wallet,

and I'll tell you what you need to know to cash in on the savings.

So medicine in the United States, the way it's done is not sustainable.

If you think about the flashpoint between the political parties going back to last decade,

continuing even to this moment is what are we going to do about our inefficient over-priced health care system in the United States,

where we spend more than twice any other developed country, share of our national wealth on health care,

and have worse lifespans than even a bunch of third world countries now.

So the answers I believe are all about what's known as transparency,

where you and I, as customers of the medical industry, know upfront what we're going to pay for whatever it is we're getting,

unless you're unconscious in an emergency room.

We right now are in this impossible circumstance where we use medical services

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