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Health savings accounts, which have only been around since 2004, come coupled with high deductible health plans.
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In high school, Alan watched his friends come of age -- driving around town with their new licenses, earning some extra cash from their summer jobs at the mall.
WHITEHOUSE: President Obama Speaks on Comprehensive Immigration Reform | The White House
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The debate has been one of the most popular topics in the technology industry for years, but it has emerged with increasing intensity in the past five years as governments, business leaders and universities around the world have tried to come up with strategic plans to boost their economies through high tech.
FORBES: Was Bell Labs Overrated?
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Some of their oft-maligned reforms have come to fruition, ironically, under Mr Putin: helped by high oil prices, the economy is growing around 7% a year, the government budget is in surplus, inflation has been tamed and debt paid off.
ECONOMIST: A floundering opposition
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In the other camp are those who say the economy is in far different shape this time around, just beginning to come out of the worst recession since the 1930s, struggling with high unemployment, slow growth, a collapsed housing industry, and high consumer debt.
FORBES: With The Election And Fed Uncertainty Soon Resolved, Grip Tightly For Stock Market Volatility
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They come from a group from the University of Alberta, who were exploring an area around the Teardrop Glacier, high in the Canadian Arctic.
BBC: Centuries-old frozen plants revived