Health insurance exchanges are now a sure thingbut what theyll mean to the benefits industry is far from certain.

A majority of older American households spend less than they make, but in 2009, more than 14 percent of older households spent well beyond their means.

Gov. Pat McCrory signed into law Tuesday changes to North Carolina's unemployment insurance system that supporters say puts the plan on firmer footing and gives businesses more certainty. Critics say it will devastate the jobless with decreased benefits or none at all.