The cost of health care affects every American and new trends are on the way in this sector. Today's Stocks & Topics: PINS - Pinterest Inc., Dividend Yield, SNAP - Snap Inc., 401k, CCL - Carnival Corp., Bankers Returning to Bad Lending Practice, Hottest Home-buying Market, QCOM - Qualcomm Inc., GOLD - Barrick Gold Corp. TRIVIA QUESTION: "For 2019, what was the average FICO credit score in the United States-- and which generation had the highest credit scores?"   Plus: Key Benchmark Numbers and Market Comments for: Gold, Oil, Gasoline and Treasury Yields.