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The Real Question: Should Oil Be Cheap? Expensive oil hurts, but there's a business case to be made for a floor under the price of crude Insurers Peek into Your Medicine Cabinet How insurance companies dig up applicants' prescriptions—and use them to deny coverage House Helps Fannie and Freddie In passing a rescue bill for Fannie Mae and Freddie Mac, the House left out the conditions that critics had sought Microsoft's Online Chief Signs Off As CEO Ballmer splits the Windows and online businesses, Kevin Johnson, a prime force behind the Yahoo bid, will leave to run Juniper Networks Israel Turns to Outsourcing as the Shekel Soars As Israel's high-tech industry loses its cost advantage, jobs are moving to Romania and India, and local wages are being frozen Costco Gets Bitten by Inflation The club-store chain warns earnings will fall short of estimates because of higher food and energy costs There May Be Oil Offshore, But... Oil and gas firms covet U.S. offshore reserves, but it's unclear how much would be tapped or where it would end up Welcome to the Frozen Economy Not since the Depression have financial difficulties so immobilized spending and credit. Listen to the talk at a diner in Maine A Stroll Through the iPhone App Store Hundreds of non-Apple programs are available already, and the party has just begun GM, Burning Cash, Cuts Costs A tough car market is spurring GM to thin its white-collar workforce and slash ad spending Credit Cards: How to Protect Your Limits To lower their overall default risk and protect profits, some card issuers may reduce your credit limit. Here are tips for keeping it steady Marcial: Betting on a Buyout at MGM One pro believes a deal could be in the cards for casino operator MGM Mirage, whose big investors include Kirk Kerkorian and Dubai World Nokia, Qualcomm Settle Their Feud Qualcomm shares soar on news that the three-year spat will end with a swap of licenses for cell technologies AT&T Earnings Give Hope to Telcos The largest U.S. phone company's 30% profit jump suggests that the economic slump may not be as harsh as expected for some telecom service providers Now ISPs Want to Serve You Ads, Too Internet service providers such as Embarq that manage broadband networks may soon tap their data storehouses to serve up personalized ads Beware the Hype for Software as a Service What's called SaaS, or on-demand software, needs some debunking. For starters, it isn't cheap, and your data aren't secure Volkswagen Earnings Defy Industry Gloom Despite auto industry pessimism, European small-car makers have reported solid earnings. But VW's future may depend on the resilience of emerging markets Beijing's Plan to Fight Olympic Traffic Beijing's Plan to Fight Olympic Traffic Chinese Tourists Spend Big in Hong Kong Powered by a strong yuan, mainlanders are flocking to Hong Kong, which has no sales tax, to snap up luxury goods and visit theme parks Diesel Injection to Fuel Viktor & Rolf's Expansion The Dutch fashion brand has sold a majority stake to Diesel founder Renzo Rosso, a move that will help its business grow worldwide GPS Driving British Motorists to Distraction A new survey suggests satellite navigation systems encourage dangerous driving. They're being blamed for many accidents and near-misses in Britain At Wipro, 'Two CEOs Are Better than One' It's been three months since the IT company launched its new structure, and the joint chief executives are happy with how it's going How SAP Seeds Innovation SAP's collaborative Web sites and discussion forums give its customers ways to learn from SAP business partners as well as from each other Podcast: R&D: The D Is for Design Monty Montague, a principal at innovation consultancy Bolt, discusses how incorporating design into traditional R and D departments has led to major innovations at companies ranging from IBM to Herman Miller How BRP Hatched Its Spyder Tryke The Spyder offers all the zoom of a motorbike, but its eye-catching three-wheel design makes it easier to master