The document summarizes several news stories: 1) A study found that 60% of employees have medical deductibles over $1,200, showing the rising costs of healthcare in the US. 2) The percentage of unbanked US households hit a record low of 7% last year, but over a quarter of households are still unbanked or underbanked. 3) Research warns that the percentage of women in computing jobs will decline to 22% by 2025 unless more is done to encourage women to study computer science. 4) Stock markets indexes tracking companies that benefit from Clinton or Trump fell similarly after the final debate, suggesting the election outcome is now seen as a risk by investors

1. FRIDAY, OCTOBER 21, 2016 SECTION B
INFINITI
USA SNAPSHOTS©
Rising medical toll
SOURCE Guardian Life Workplace Benefits Study
JAE YANG AND JANET LOEHRKE, USA TODAY
60%of employees
have medical
deductibles of
more than $1,200
INDEX CLOSE CHG
Nasdaq composite 5241.83 y 4.58
S&P 500 2141.34 y 2.95
T- note, 10-year yield 1.76% x 0.02
Oil, light sweet crude $50.43 y 1.17
Euro (dollars per euro) $1.0926 y 0.0043
Yen per dollar 103.95 x 0.56
SOURCES USA TODAY RESEARCH, MARKETWATCH.COM
uUSA MARKETS, 4B
18,050
18,100
18,150
18,200
18,250
18,300
DOW JONES INDUSTRIAL AVG.
-40.27
9:30 a.m.
18,203
4:00 p.m.
18,162
THURSDAY MARKETS
The percentage of U.S. house-
holds containing not one person
with a checking or savings ac-
count fell to a record low of 7%
last year, according to a report is-
sued Thursday by the Federal De-
posit Insurance Corp.
The percentage of so-called
unbanked households declined
by 0.7 percentage points from
2013 levels. That amounts to
about 9 million U.S. households
without a checking or saving ac-
count. Additionally, 19.9% of U.S.
households are “underbanked,”
or rely on financial services out-
side of the banking system such
as money orders, payday loans
and check cashing or pawn shops,
the FDIC found. The percentage
of underbanked households was
roughly the same as in 2013.
That means more than a quar-
ter of households are unbanked
or underbanked.
About half of the drop in the
percentage of unbanked house-
holds is due to improving eco-
nomic conditions, the FDIC says.
Households with lower incomes,
less education, disabled members
as well as those that are younger
or African American or Hispanic
are more likely to be under-
banked or unbanked. However,
the FDIC points out the rate of
unbanked people “declined sub-
stantially” among households
with $15,000 or less annual in-
come, younger households and
African American or Hispanic
households in 2015 from 2013
levels. The study is conducted ev-
ery two years.
Members of unbanked house-
holds have multiple reasons for
not having an account. The rea-
son cited more than any other
was they “do not have enough
money to keep in an account,” the
FDIC says. This reason was cited
by 57% of the unbanked house-
holds.
Privacy and security reasons
were also named by many mem-
bers of unbanked households as
well as issues with fees. Com-
ments like “don’t trust banks,” or
“avoiding a bank gives more pri-
vacy” was often made by un-
banked individuals. “Bank
account fees are too high” was
blamed by 9.4% of unbanked re-
spondents. More than half of un-
banked households thought
banks were not interested at all to
serve them.
Despite the concerns, most
households didn’t have nearly as
much skepticism. More than
three-quarters of households
polled said banks were either
“very interested” or “somewhat
interested” in serving them.
People with no bank accounts at record low
7% of households,
about 9 million, are
unbanked, FDIC says
Matt Krantz
@mattkrantz
USA TODAY
The percentage of unbanked Americans fell to 7% last year.
UNBANKED AMERICANS IN 2015
7% to 10%4% to 7%Less than 4% More than 10%
CONN.
R.I.
N.J.
DEL.
MD.
D.C.
N.H.
MASS.
VT.
Jim Sergent, USA TODAY
SOURCE FDIC
SAN FRANCISCO New research
warns that at the rate we’re going,
the number of women in the
computing workforce will decline
to 22% from 24% by 2025 if noth-
ing is done to encourage more of
them to study computer science.
The research from Accen-
ture and non-profit group
Girls Who Code says taking
steps now to encourage
more women to pursue a
computer science educa-
tion could triple the
number of women in
computing to 3.9 mil-
lion in that same ti-
meframe.
Women account for
24% of computing jobs today but
could account for 39% by 2025,
according to the report, Cracking
the Gender Code.
And greater numbers of wom-
en entering the computer science
field could boost women’s cumu-
lative earnings by $299 billion
and help the U.S. fill the growing
demand for computing talent,
said Julie Sweet, Accenture’s
group chief executive for North
America.
“The solution starts with edu-
cation — we need to develop
more tailored programs that ap-
peal to girls’ interests and take a
more targeted and sequenced ap-
proach to encourage girls to pur-
sue (computer science) related
learning at each stage of their
education,” Sweet said.
Accenture and Girls Who Code
identified factors that influence
women’s decisions to study and
work in computing, including a
survey of girls ages 12-18, college
FILE PHOTO BY ERIC RISBERG, AP
Bryanna Gilges, left, and
Yvonne Gonzalez work on an
exercise during a Girls Who
Code class in 2014.
Investors are clear about who
they think walked away victo-
rious from Wednesday’s presi-
dential debate: No one.
The stock market is telling the
score. Equal-weighted stock mar-
ket indexes containing stocks
likely to benefit from a Hillary
Clinton victory or a Donald
Trump victory both dropped
Thursday following the third de-
bate, based on a USA TODAY
analysis of data from S&P Global
Market Intelligence based on
portfolios constructed by invest-
ment firm Motif Investing.
Investors’ negativity reflects
the idea politics have turned into
a risk, no matter who wins the
presidency.
“In many investors’ minds, the
perceived risks associated with a
Trump victory in the presidential
race have been replaced with con-
cerns about the implications of a
Democratic sweep of leadership
in Congress (for both the Senate
and House to flip),” according to a
note to clients co-authored by
Lori Calvasina at Credit Suisse.
The Clinton victory index,
filled with clean technology, cy-
ber security and Obamacare
stocks, declined 0.6% Thursday.
Meanwhile, the Trump index,
populated with stocks in defense,
firearms and real estate, fell 0.4%.
Both indexes were down more
than the Standard & Poor’s 500,
which declined 0.07% Thursday.
The Clinton and Trump index-
es reveal, too, how investors have
increasingly expected that Clin-
ton will win the Oval Office.
The Trump portfolio is up
5.7% year to date, topping the 4%
decline by the Clinton portfolio,
primarily due to strength earlier
in the year when a Trump victory
looked more likely.
But since the first debate Sept.
26, the tables have turned. The
Trump portfolio has declined by
2.5%, while the Clinton portfolio
is off 1.7%.
This is far from a scientific
method, but looking at stocks
likely to benefit from a Clinton or
Trump administration gives a
GETTY
IMAGES
Stock market indexes for each candidate fell Thursday,
no matter the nominees’ performances in final debate
Matt Krantz
@mattkrantz
USA TODAY
Worries about a
Trump victory
“have been
replaced with
concerns about ...
a Democratic
sweep.”
Lori Calvasina of Credit Suisse,
in a note to clients
ROBYN BECK,
AFP/GETTY IMAGES
Women in
computing
to decline
even more
Numbers will drop
to 22% from 24% by
2025 if issue ignored
SAUL LOEB,
AFP/GETTY IMAGES
TRUMP
VS. CLINTON:
WALL STREET
SAYS BOTH LOST
JOBLESS CLAIMS RISE BUT
STAY NEAR 43-YEAR LOWS
The number of Americans seek-
ing unemployment benefits rose
to the highest level in five weeks
but still remained close to the
recent 43-year lows. The Labor
Department says that applica-
tions rose by 13,000 last week to
260,000, the highest level since
the week of Sept. 10.
METLIFE TO SNOOPY AND
THE GANG: YOU’RE FIRED!
MetLife is waving goodbye to
Snoopy and the Peanuts gang,
ending a more than three-dec-
ade relationship. MetLife said
Thursday it’s launching a new
global brand platform as it spins
off most of its U.S. life insurance
business next year.
HYUNDAI RECALLS SONATA:
SUNROOF COULD FLY OFF
Hyundai is recalling 62,811 units
of the Sonata because the car’s
panoramic sunroof could fly off
in traffic. The Korean automaker
said it was not aware of any
crashes or injuries. The voluntary
recall covers 2015 and 2016 Sona-
tas assembled at Hyundai’s
plant in Alabama from May 28,
2014, through March 18, 2016, and
2015 and 2016 Sonata hybrids
made there from Dec. 8, 2014,
through Aug. 18, 2015.
MONEYLINE
CLINTON VS.
TRUMP STOCKS
Trump stocks’ performance have
been flagging the longer the
campaign rolls on:
Stocks % change
Period Clinton Trump
YTD -4% 5.7%
Since 1st
debate
-1.7% -2.5%
Thursday -0.6% -0.4%
SOURCES MOTIF INVESTING; USA TODAY; S&P
GLOBAL MARKET INTELLIGENCE
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