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Independent brokers help employers choose health benefits for their staff but are paid by the health insurance industry, creating financial incentives to sell more without regard to cost.

How about $350,000 within hours? The pitches flood small businesses: "No hidden fees, No BS." These financial lifelines are barely regulated and can turn into trip wires.

We remember Carl Sigman, who died this past Tuesday at the age of 91. The versatile lyricist wrote: It's All In The Game, Enjoy Yourself, Ebb Tide, Pennsylvania 6-5000, and dozens of others.

NPR's David Welna reports the Senate has approved a federal budget with a tax cut that falls about $400 billion short of President Bush's $1.6 trillion tax cut plan.

Daniel speaks with NPR's Peter Kenyon about the House and Senate investigations of fundraising activities by the Democratic National Committee. Kenyon says that on the House side, more than 6 committees are competing with each other in overlapping investigations.

Commentator Amy Dickinson briefs astronaut Shannon Lucid on what has been happening on planet Earth during the 6 months Lucid has been in orbit.

Daniel talks with Wendy Heller, spokesperson for the Red Cross. Ms. Heller is in Sutter California where she is helping with relief efforts for the 6 thousand evacuees from Yuba County where flood waters have already claimed 250 homes.

Commentator Joe Mackall talks about how the Old Order Amish celebrate Christmas. For them, the holiday falls on January 6th, and is a day of fasting and rest.

Phil Gunson reports from Caracas, Venezuela on the plane crash yesterday that killed 24 people, including 6 Americans.

NPR's Peter Kenyon reports on the political maneuvering between Republicans and Democrats in Congress over the president's $1.6 billion tax cut proposal.