How AI Could Reshape Healthcare, How the Wealthy Manage Money, and the Case for a Third Child

Scott outlines a plan for fixing America’s broken healthcare system in the age of AI, shares how wealthy people actually manage their money (and what everyone can learn from it), and reflects on one of his biggest personal regrets – not having a third child. Want to be featured in a future episode? Send a voice recording to [email protected], or drop your question in the r/ScottGalloway subreddit. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

  Here's your report.

• 0:01Speaker 01

  Oh, thanks, Jane. I wish I could hire someone just like you.

• 0:04Speaker 00

  Try LinkedIn Hiring Pro. It's more than a job board. It's like the recruiter you always wished you had. Hiring Pro uses real-time insights to match your role to LinkedIn's unique network of professionals and delivers a shortlist of best-fit candidates. You'll spend less time sorting applicants and more time talking to the right people.

• 0:20Speaker 01

  Let's do it. You're irreplaceable, Jane, but another you would be great.

• 0:24Speaker 00

  Hire right the first time. Post your job for free on LinkedIn today at LinkedIn.com/quality.

• 0:31Speaker 02

  Low energy, unfocused, foggy? You might be dehydrated. Gatorade Zero Powders have been scientifically designed to help improve hydration balance in the body. With a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade: Hydrates Better Than Water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 1:01Speaker 03

  This episode is brought to you by Michelob Ultra. Good times mean competitions between you and your friends. Like seeing who can throw some pigskin the farthest or rush the field the fastest. Winner gets an Ultra. Because it's not just a superior-like beer, it's also giving fans superior access to their favorite sporting events. Superior is worth playing for. Visit MichelobUltra.com/SupiorAccess to enter. Enjoy responsibly. Copyright 2026 Anheuser-Busch InBev Michelob Ultra Beer, St. Louis, Missouri.

• 1:31Scott Galloway?

  Welcome to Office Hours of Prop G. This is the part of the show where we answer your questions about business, tech, entrepreneurship, and whatever else is on your mind. If you'd like to submit a question for next time, you can send a voice recording to OfficeHoursOfPropGMedia.com. Again, that's OfficeHoursOfPropGMedia.com. Or post your question on the Scott Galloway subreddit, and we just might feature it in our next episode.

• 1:56Scott Galloway?

  Our first question comes from Karen Chan on Reddit. Karen says, hi Scott, if a surge in unemployment caused by AI were to occur, what do you think the impact on US healthcare policy would be? Since most working age Americans rely on employer sponsored insurance, widespread job losses would mean millions losing their coverage. That could create significant public pressure for a public option. What are your thoughts? Okay, so about half the population get health insurance through an employer plan. About 8% of Americans, or 27 million people, were uninsured in 2024, according to the latest census data. And premiums for employer plans hit $26,000 a year for family coverage in 2024, up 7%. These plans always seem to go up more than inflation. Why?

• 2:41Scott Galloway?

  Because they're a fucking cartel with regulatory capture. And so that's faster than inflation or wage growth. Small firms are especially vulnerable. Only about half offer benefits at all. By the way, here at Procy, we do offer health benefits. The average worker still pays 19% of single plan premiums out of pocket. Deductibles average about 1,800 bucks. So it's bad for the economy because losing your job oftentimes means losing health insurance. You're not able to allocate your human capital to where it would be best served. Entrepreneurship or moving or taking time to care for a loved one for fear that you will lose your health insurance.

• 3:24Scott Galloway?

  So if AI driven unemployment rose by five percentage points, roughly 8 million people would lose their coverage. At least I think I'm doing the math right. And about 3.5 million would likely move to Medicaid or ACA marketplaces. And around 3 million people would become uninsured, at least temporarily. By the way, the uninsured are really fucking expensive because when people lose insurance, they don't stop getting sick. They just delay their care until they're in the emergency room, oftentimes putting much more of a burden on the healthcare system than if they'd had health insurance. And hospitals then shift those unpaid costs to everyone else through higher premiums and fees, driving up the overall healthcare spending. The result is a sicker population and a more expensive, less efficient system.

• 4:08Scott Galloway?

  See above, the American healthcare system that spends $13,000 for Capita and the other six of the G7 spend $6,500 for better outcomes. Like.

• 4:19Scott Galloway?

  I think this is a bit of a moot market. I believe that. So I'm coaching, and I'm bragging because I'm desperate for your affirmation. I'm coaching the Democratic Party or some constituents, including some people running for president, on messaging. And I think it's time to move beyond the indignance and the pearl clutching and the outrage to ideas. And one of the big ideas I think the Democratic Party, or potentially the Republican Party, should embrace is the following. Healthcare is not working in the United States. Or let me put it this way. It's like everything else in America. It's been optimized for the top 10%. If you're in the top 10% of income-earning households in America, you have the best healthcare in the world. You have access to the best doctors, the best pharmaceuticals, the best treatments.

• 5:01Scott Galloway?

  People in the top 10% on average live, get this, between seven and 12 years longer than people in the bottom 10%. Literally, being wealthy means you're gonna, is life. Money is life in the US now. So, we have this healthcare system that's been optimized for the top 10 or the top 1%. And I think the model is the following, and it's the UK model. And people don't like the NHS here. And the reason why is because it's underfunded, because the UK has not grown in 10 years. There's just not enough money to go around. They don't have the resources. That's not the problem in the US. We've grown our economy, I would bet, by 30 or 40% in the last 10 years. So we have 30 or 40% more money. And we have the money. The problem is the prosperity, similar to the future, what William Gibson described

• 5:44Scott Galloway?

  as the future, is here, it's not evenly distributed. So what you have with NHS is it's nationalized healthcare. You get sick, you go in, you get treated, you don't get bills, you find out you have lung cancer, it doesn't also mean you're gonna go bankrupt. Now, the wait times are longer, people complain about it, especially if it's elective or non-urgent surgery, you have to wait too long, it's underfunded. What I like about it is that people like myself, who have some money, opt out and go private. You think, well, that's a douchebag, rich thing. No, it's not, because it takes some burden off the system. And then they can offer better services to the bottom 90, if you will. In sum, what needs to happen in the US, I believe, is that if you want to have greater mobility, we have to have portable health insurance.

• 6:29Scott Galloway?

  People shouldn't stay at their job because they're worried that they have a melanoma when they would be better off at another job. Also, it creates greater pricing because...

• 6:41Scott Galloway?

  The key to pricing is to connect the consumer with price and shop. I never look at the, I literally never look at my insurance or my medical costs. Because if you have health insurance paid for you by your employer, you don't give a shit with that MRI costs. You might have to go through tons of hoops, but you don't care. So you're not shopping around. You're not calling around or going on chat GPT to saying, where can I get the cheapest MRI in Soho? So we've disconnected what is the key to keeping prices down? And that is consumer scrutiny, because if it's offered by your employer, you don't care. You just go wherever there's in-network. There's tons of administration. Forty to 50% of all health insurance premiums go to administration and profits, meaning

• 7:25Scott Galloway?

  that if you spend a hundred dollars on insurance, you're getting 50 to 60 bucks of healthcare. So what to do? What to do? I think we take Medicare, which by the way, Medicare is the healthcare programs and services offered to people over the age of 65. And guess what? Unlike the rest of healthcare, it's actually quite popular. And this is what we do, folks. We lower eligibility for Medicare by two years every year for the next 10 years. Where does that get us? Next year, if you're 63 or over, you're eligible for Medicare. If you want concierge or high-end, you go out of pocket, find rich people, old people, of which there's a lot, less burden on the system, good for you, you get better service.

• 8:07Scott Galloway?

  You can get your colonoscopy the next day if you want it from a nicer facility with better looking people wearing figs instead of just traditional scrubs. Fine, have at it. And then what do we have? And then in two years, the eligibility is 61. And then in 10 years, the eligibility is 45. What is that effectively? Socialized medicine. Why? Because the vast majority of medical care costs happen to people over the age of 45. Because guess what? Young people, unless they're having a baby, don't need healthcare. I think I went to the doctor three times before the age of 40. Yeah, I said it, nationalized medicine. It's time, folks. It's time. Forty percent of America has medical or dental debt. You want to talk about stress and anxiety on a household?

• 8:50Scott Galloway?

  I have to borrow money so my 22-year-old daughter? Can get a root canal? Can't sleep at night, isn't screaming pain, and we don't have the money for a root canal, so we have to go into debt? Can you imagine how humiliating and stressful that is for people? Almost half of households have medical debt? Enough already. Lower Medicare eligibility by two years, every year for 10 years, and then boom, better healthcare, better pricing, less stress, less anxiety, less debt, a healthier America. Thanks for the question. Question number two comes from Freida Bloogs on Reddit. Okay, Freida. They say, hi Scott, how does a high net worth individual manage their money and their investments?

• 9:32Scott Galloway?

  I can't imagine that you log into Fidelity or Schwab like the rest of us to sell your covered calls, or maybe you do. Do you make sure that credit cards and rent are paid on time? Out of pure nosiness, can you allow us to peek behind the curtain of daily money management, tracking your net worth, and following your investments at this different scale? Okay, I try to be very transparent about my wealth and how I manage my money. One is because I think I'm a narcissist and I want people to know I'm successful. I think some of that is there. I think it makes me more interesting to other men and more attractive to women. Is that wrong? Is that wrong? Anyways, it's there.

• 10:13Scott Galloway?

  But also, I do think it's important to talk about money and create financial literacy. If you want to understand something, you need to talk about it. Talk to your friends about taxes and investments and diversification. You need financial literacy. You don't think Roger Federer thinks about and talks about tennis all the fucking time? How do you ever get good at anything without talking about it and thinking about it? Okay, so I have been wealthy three times, which means I've gone broke twice. And the primary learning for me is that the reason I went broke twice is because I wasn't diversified. I grew up in an era where VCs and the media taught you, you go all in on something. And if you're a real baller and good at what you do, as long as you throw yourself at it, you'll be really successful.

• 10:54Scott Galloway?

  So I poured everything into my first brand strategy firm, Profit, and I poured everything into my e-commerce company.

• 11:03Scott Galloway?

  Red envelope, which went public in 2002, and then I poured everything into tech because I was a genius. And if I could throw myself at everything and your VCs are telling, are you in it to win it? Don't sell shares in a company even though I should have. And what happens is, is that as I got older, I realized market dynamics will always trump individual performance. It didn't matter how fucking smart you were on the internet in 2000. Amazon lost 90% of its value between 99 and 2001. And I didn't learn that lesson. And I was rich in 99, broke by the, by 2001. I was rich again in 07, broke by 2009. I am not going back. I've crawled my way back. I'm now worth, you know, kind of low, whatever, nine figures. And what I've decided, the key attribute is diversification.

• 11:47Scott Galloway?

  And that is, I try not to have more than 5% of my assets in any one investment. The exception is real estate. My kind of general investment strategy is I believe, I think of someone who is a student of demographics. What I see is that income inequality is only going to get worse globally. I think that America is giving everyone a hall pass to be corrupt and for regulatory capture and cronyism and oligarchy, meaning you're going to have the, the greatest boom demographically is going to be an increase in billionaires. We've gone from 500 to 2,500 in the last 10 years. I think we're going to go to 10 or 20,000. And these people all want to live in one of the same five places,

• 12:28Scott Galloway?

  Dubai, London, Palm Beach, New York, or Aspen. So I have bought homes in each of those places, except for Dubai, and I bought two homes in Aspen, and I'm fixing them up. And I think it's good intergenerational wealth. It's very tax advantaged. So I have a disproportionate amount of my net worth in what I'll call 0.1% real estate. Some of these places I'll live in for a couple of years, but then I'm planning to sell them and then use our tax code, which disproportionately advantages real estate to roll into rentals and create intergenerational wealth. And if one of my kids is a total fuck up, as long as a good kid, he can bang outdoors for rent and just try and, I don't know, manage. A mini mall with a Chipotle in it. I don't know. I used to be one of those guys like I'm gonna pay for their college and then they're on their own. And now I see how hard it is for

• 13:11Scott Galloway?

  young people and I'm kind of changing my team. Anyways, now we asked intergenerational wealth transfer. So the key for me is diversification. I spend at least a day to a day and a half managing my money and thinking about investments. I have found unless you're all over it all the time, you're gonna lose money. And that is unless you're all over Goldman Sachs manages my money. I have a law firm managing my taxes. Unless I'm constantly asking them questions, I find that stuff falls in the cracks and they will figure out a way to jack up fees. Generally speaking, what you want is low cost index funds. If you have access like I do to kind of better deal flow where you can get additional equity for going on the board because they think you're smart, fine, have at it. If not, you want to be diversified and you want

• 13:56Scott Galloway?

  to be in low cost index funds. I have the ability to hire really talented people. I probably spend a hundred to $300,000 a year just on the people who manage my money. Why? Because the tax code's gone from 400 pages to 4,000. Why? So that 3,600 pages could fuck the middle class and transfer money to the wealthy. Because if you're, if you've got GPS, you want to run races at night because the people without GPS, the bottom 99, crash into the fucking rocks and the rich people just keep on cruising because they've got really smart tax lawyers and Goldman Sachs managing their money and finding the lowest interest rates on things, charging the lowest fees, figuring out ways, how many days I should be in Florida or not be in Florida such that I have lower taxes,

• 14:39Scott Galloway?

  all that shit, right? All of these things I leverage. One, because I have the capital, but two, I am thinking about it all the goddamn time. Keep track on what you're spending. A lot of it's just this one. What's the algebra of wealth? I'll go to my book. You gotta focus and get good at something, right? Specialist economy. Get really good at something. Find something to be in the top 10 or 1% in. It's probably not a vanity industry. To be in the top 1% of acting, you gotta be fucking Meryl Streep, right? It's just very difficult. And then apply some stoicism and some discipline. Get used to spending less than you make. Start saving from an early age, even if it means getting money taken out. Of your paycheck, try and find tax advantage or matching things. Any matching thing your employer max it out.

• 15:23Scott Galloway?

  Find out wherever you live, what are some tax advantage savings vehicles? Max it out. Try and find savings or investment vehicles where it's taken out of your check. Cause most of us don't have the discipline not to spend money once it comes into our hands. So that's sort of stoicism. The next is time. Start early, recognize a little bit of money every month, discipline. That's why buying a house is so powerful. It's not because it outperforms other asset classes, but it's for savings. And then also the power of diversification. Focus equals the product of stoicism and discipline. Right? Time, right? And then diversification. Whoo! That was a, that was a tour around the world. Anyways, thanks for the question. We'll be right back after a quick break.

• 16:12Scott Galloway?

  Support for the show comes from Built. Most of us work hard to earn our keep, but usually there's no one around to hand you a cookie when you successfully pay your monthly housing bill. No one except Built, that is. Built has expanded from their original rental rewards program and they have a lot more going on for members now. For example, members can earn points on mortgage payments too. Every housing payment gets you points that get you a lot more than baked goods, such as flights with top travel partners, including United and Hyatt, Lyft rides, Amazon.com purchases, and much, much more. Here's another benefit of Built membership. You also get access to what they call a neighborhood concierge. It can make restaurant reservations, book fitness classes, and find new local spots, all while rewarding you at more than 45,000 merchant partners. It's simple.

• 16:55Scott Galloway?

  Being a renter and now owning a home feels a lot better with Built. You can download the Built app and join the membership for where you live at joinbuilt.com/propg. That's J O I N B I L T dot com slash propg. Use our link so they know we sent you.

• 17:12Scott Galloway?

  Support for the show comes from Vanta. As AI adoption grows, so does your company's security risks and requirements. New frameworks, audits, and vendors keep piling on, but your team isn't getting any bigger. Most compliance tools promise automation, but you're really stuck doing all the work by hand, chasing screenshots, validating controls, and playing catch-up when audit season comes around again. Vanta works differently. The Regentic Trust platform is built to scale with you, not slow you down. With over 1,400 automated tests across 400-plus integrations, Vanta collects evidence and monitors your controls year-round, cutting your audit prep by 82%. Plus, you can access the Vanta agent everywhere you work, whether your team is in Vanta every day or living in tools including Claude or Cursor. Want proof?

• 17:57Scott Galloway?

  Over 16,000 fast-growing companies like Ramp, Ryder, and Harvey save time and resources while scaling fast with Vanta. Learn more at vanta.com/provg and get $1,000 off. That's spelled V-A-N-T-A dot com slash prof G for $1,000 off. Support for the show comes from Vanta. As AI adoption grows, so does your company's security risks and requirements. New frameworks, audits, and vendors keep piling on, but your team isn't getting any bigger. Most compliance tools promise automation, but you're really stuck doing all the work by hand, chasing screenshots, validating controls, and playing catch-up when audit season comes around again. Vanta works differently.

• 18:41Scott Galloway?

  The Regentic Trust platform is built to scale with you, not slow you down. With over 1,400 automated tests across 400-plus integrations, Vanta collects evidence and monitors your controls year-round, cutting your audit prep by 82%. Plus, you can access the Vanta agent everywhere you work, whether your team is in Vanta every day or living in tools including Claude or Cursor. Want proof? Over 16,000 fast-growing companies like Ramp, Ryder, and Harvey save time and resources while scaling fast with Vanta. Learn more at vanta.com/provg and get $1,000 off. That's spelled V-A-N-T-A dot com slash prof G for $1,000 off.

• 19:28Scott Galloway?

  Welcome back onto our final question.

• 19:32Speaker 06

  Hi Prof G, Hannah from Georgia here. How do you recommend a couple decide how many kids to have? Especially when partners want different things. You've mentioned on a few episodes that you wish you've had a third child. I'd love to hear your perspective on how to navigate this decision. For context, my husband and I have two boys, ages three and one. I'm incredibly grateful and feel content with two kids, but I'm also exhausted. My husband meanwhile, really wants a third. I'm 36, so time isn't exactly on my side. Career wise, I was on a strong trajectory pre-kids and a high paying, high growth career. After our first, I shifted to a more flexible, lower growth role. It still pays well, but doesn't feel fulfilling long-term.

• 20:16Speaker 06

  Lately, I felt a strong pull towards entrepreneurship and I'm ready to leave my comfortable corporate job. But a third child would likely delay this dream by several years. My husband is in the military and plans to retire in about 10 years, which adds another layer of complexity. A large part of me feels guilty for not wanting to give him something he so deeply desires. I know that's a lot of context, but I really value your opinion. Thanks for the thoughtful advice each week. I never miss an episode of Office Hours.

• 20:45Scott Galloway?

  I think this may be one of my favorite questions ever, Hannah from Georgia. One, for a weird reason. I've never related more to a question and never known less what to tell you.

• 21:03Scott Galloway?

  These decisions are so deeply personal and I wouldn't trust anyone that's like, go for it or don't do it. I can, I'll tell you what we went through.

• 21:14Scott Galloway?

  We have two kids and I never wanted kids. I was very selfish. I loved going to brunch when I wanted to go to brunch, going to Equinox when I wanted to go to Equinox, taking off for St. Bart's when a friend said, hey, let's go to St. Bart's. And then I had kids and it's not like there was bright lights and angels speaking. I was mostly just really fucking nauseous because I was worried about money, but kind of.

• 21:40Scott Galloway?

  You know, 15 and 18 years on, it's my purpose. I've never had purpose in my life, or I thought I had goals. I wanted to be rich and wanted to be awesome. But I never really felt like I had purpose. I now have purpose. My purpose is to raise two good men. It is the greatest source of joy and contentment I will ever discover. Not to sound too macabre, but I, I think about death a lot. One of the comforting things about death for me is that because my partner is 14 years younger than me, knowing that I'll go first, I, that gives me comfort. I, I've never feel more relaxed than when I'm up late with my dogs. I know my kids are safe and I know my partner's happy and they're taken care of and they're warm and looked after.

• 22:25Scott Galloway?

  That is the only time in my life where a box has been checked in indelible ink, not a, not a pencil where I want better colors or bigger colors. Anyways, we had two. I didn't want the first one. My partner said, I'm, I want to have kids. I said, I'm not getting married. She said, we don't need to get married. She called my bluff, had kids. I literally basically looked at her and she was pregnant, had a second one. And she wanted a third. And I was so freaked out about money and logistics and it was hard and I, you know, she didn't feel tired, I felt tired. I, having two young kids, boys in Manhattan, always having their hands for fear they're going to run out in the street.

• 23:07Scott Galloway?

  Also, our boys, you know, they're not without their issues, but on the whole, they're super healthy, happy and like wonderful boys slash young men. And I know a lot of people who have kids who struggle. You know, name the acronym ADHD or whatever it is, learning disabilities, health issues, and it brings the house down. And I thought, let's cash out. We have two that are great. I don't want to have a third because I'm worried we're gonna, we're pushing our luck. Having said that, my biggest regret, my biggest regret now, and I, and I'm scared to say this out loud because my partner just gets infuriated when I say this now, is that we didn't have a third.

• 23:52Scott Galloway?

  Specifically, I would just kill to have a little girl. And as I've gotten older and I see, not the end, but I see myself getting older, I would just kill to have a little girl. I feel like there's this.

• 24:07Scott Galloway?

  Weird void in our household now that our two boys, my 18 year old's applying to college, our 15 year old is really into his friends and I feel like there just needs to be another kid in the house. So hands down, my biggest regret, not having a third. Having said that, a lot of this comes down to money, comes down to support system. And the only thing I would say is that, and again, my bias is coming out here. The only thing I would say is that having kids early, giving birth, by the way, you said you're 37, that's still really young. If you're in decent shape with today's technology, that's not, that's still in this day and age, kind of fertility year.

• 24:50Scott Galloway?

  So I wouldn't let that get in the way. Having said that, women bear a disproportionate amount of the responsibility. They just do. What I would say is, no doubt about it, it's a pain, it's hard, especially with babies. But I find as they get older, it gets easier, it gets funner. It's like making that sacrifice now for future, future reward. But I like the idea of sitting down and from a position of generosity, saying, your happiness is really important to me. These are my concerns. How important is this to you? Let's talk about the logistics, but also looking at through the lens of how you'll think about things in 10 or 15 years, because that 10 or 15

• 25:33Scott Galloway?

  years is going to be here in a instant. Literally yesterday, my oldest was coming into bed with me on Sunday mornings and snuggling with me for 10 or 15 minutes and then sitting up and saying, let's make a plan. I mean, it was like there was a Hallmark movie, where are the cameras? And then yesterday, I'm arguing with him about him taking the ACT for his college apps and he's just rolling his eyes and like trying to avoid me around the house. It was yesterday, he was, he was saying, Dad, let's make a plan. It goes really fast. Again, hugely personal decisions, but the fact that you're with a loving partner, you have two healthy kids.

• 26:19Scott Galloway?

  And you're, an issue right now is whether you have three or you just stick with two and you both have jobs and what sounds like healthy careers. You are, your problems are a function of you being in the most fortunate 99% and the most fortunate 99.5%. So, you know, well done. Congratulations to you. And I trust that you're in these conversations, taking pause to realize how lucky you are to be thinking this way about a loving partner and having a healthy family and children and just being in a position to be considering a third. Such a, such a nice place to be in. Thanks for the question. That's all for this episode. If you'd like to submit a question, please email a voice recording to [email protected].

• 27:04Scott Galloway?

  Again, that's [email protected]. Or if you prefer to ask on Reddit, just post your question on the Scott Galloway subreddit and we just might feature it in an upcoming episode. This episode was produced by Jennifer Sanchez. Our assistant producer is Laura Janer. Drew Burrows is our technical director. Thank you for listening to the Prop G Pod from Prop G Media.

• 27:32Speaker 07

  Booking.com is the easiest way from a day surrounded by noise to a state surrounded by nature. That's nice. Go on, book it. It's easy. Booking.com. Booking dot yeah.

• 28:02Speaker 08

  Close your eyes, exhale, feel your body relax and let go of whatever you're carrying today. Well, I'm letting go of the worry that I wouldn't get my new contacts in time for this class. I got them delivered free from 1-800-CONTACTS. Oh my gosh, they're so fast. And breathe. Oh, sorry. I almost couldn't breathe when I saw the discount they gave me on my first order. Oh, sorry. Namaste. Visit 1-800-CONTACTS.com today to save on your first order.

• 28:30Speaker 06

  1-800-CONTACTS.

• 28:32Speaker 09

  They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go-to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats. Order now. Terms apply. Product availability varies by region. See app for details.