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NEAL CONAN, HOST:

This is TALK OF THE NATION. I'm Neal Conan in Washington. Here are two really ugly words: unfunded liability. Across the country, states and cities are struggling to put enough money aside to pay for the pensions they've promised to past, present and future workers: cops, firefighters, teachers and all the rest.

Kick a golf ball back onto the green. Sneak a peek at an opponent's cards in a friendly poker game. Grab a few hundred extra dollars in Monopoly. Duke University professor Dan Ariely studies cheating, and has figured out what drives us to to do it, and how we justify our actions.

Ad Age just unveiled its "top 10 female ad icons of all time" list:

-- Morton Salt's 'umbrella girl"

-- Betty Crocker

-- Miss Chiquita

-- Rosie the Riveter

-- Josephine the Plumber (Comet cleanser)

-- Mrs. Olson (for Folgers coffee)

-- Madge the manicurist (Palmolive soap)

-- Rosie the waitress (Bounty paper towels)

Apple sold more than 5 million iPhones this weekend, the company said in a press release. That surpasses the initial sales of the previous version.

As Bloomberg news reports, demand for the new phone quickly exceeded the initial supply, but some analysts expected bigger sales.

They report:

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CELESTE HEADLEE, HOST:

I'm Celeste Headlee and this is TELL ME MORE from NPR News. Michel Martin is away. Coming up, we'll talk to the head of the Millennium Challenge Corporation. That's a U.S. government agency focused on pulling developing nations out of poverty. But first, it's the final stretch before Election Day. Polls show African-Americans' support, not surprisingly, is solid for President Obama.

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CELESTE HEADLEE, HOST:

First, your response to the Reverend over there. He's heard pastors say that they're actually telling people in their congregations not to go to the polls.

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CELESTE HEADLEE, HOST:

I'm Celeste Headlee and this is TELL ME MORE from NPR News. Michel Martin is away. Coming up, many parents encourage - some say pressure - their kids to become high achievers, but what if a child just says no? David Yoo discusses his memoir, "The Choke Artist: Confessions of a Chronic Underachiever." That's just ahead.

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CELESTE HEADLEE, HOST:

I'm Celeste Headlee and this is TELL ME MORE from NPR News. Michel Martin is away. Coming up, we'll take a look at the big winners from last night's Emmy Awards, but first, we want to turn to a much more serious topic and this would be a good time to say this conversation may not be appropriate for some listeners.

When it comes to farm raised fish, it doesn't pay to let them be lazy. Fish like wild salmon, tuna and eel are built for the vigorous swimming required during migration.

These fish are "uniquely adapted to a physiology of high levels of exercise performance," says Tony Farrell, who studies fish physiology in the University of British Columbia Zoology department. "Therefore when we put them in constrained environments and remove predators, the consequences are they become a little more like couch potatoes."