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Shot: Almost 40% of Americans would struggle to handle a surprise expense of $400, according to a new Federal Reserve report.

Chaser: The average deductible today among all workers is more than $1,300, according to the Kaiser Family Foundation.

(Smart Brevity count: 990/<4 min. read)

Have a great weekend! Vitals will be off on Monday for Memorial Day but back in your inbox on Tuesday.