7:09

The latest front in the debate over religious freedom is all about an 8 1/2-by-11-inch piece of paper.

This particular piece of paper is a notice — one the state of California will soon require to be posted in places known as crisis pregnancy centers. These resource centers, often linked to religious organizations, provide low-cost or free services to pregnant women, while encouraging these women to not have abortions.

The new notice is mandated by the Reproductive FACT Act, and would make it clear that abortion is legally available in California.

But several pregnancy centers are suing the state, asking for the law to be struck down.

One of the clinics engaged in the lawsuit is the East County Pregnancy Care Clinic in El Cajon, Calif., just outside San Diego. The center describes itself as “a religious, nonprofit, pro-life, free medical clinic licensed by the State of California.” It sits on the corner of a busy intersection, surrounded by strip malls.

A big sign out front says “free pregnancy tests.” That’s one way they get women in the door, according to executive director Josh McClure.

McClure is not a physician, though the clinic does have medical advisors who are doctors, he says. When we recently visited, he didn’t permit NPR to talk to the staff at the clinic, who are all either registered nurses or volunteers. But he did offer to show us around, and walk us through the process of what happens to clients who come to the clinic thinking they may be pregnant.

Most of these women make appointments, he says, but the clinic also receives one or two walk-ins a day. The staff sees about 800 women a year, and that number is on the rise.

First, clients fill out paperwork in the lobby, he explains, then are assigned to a volunteer that he describes as an “advocate.”

These volunteer advocates, who are not medical professionals, take the client into a small room called the library. There the volunteer leads the client through a conversation about her situation.

McClure says his volunteer will ask the client a series of questions to get at these issues: “Why do they think they’re pregnant? [Are] they living with somebody? Is it a husband, boyfriend? What are the circumstances going on in their life? And if the pregnancy does happen to be positive, what are they thinking about right then?”

The library has two shelves with books like What To Expect When You’re Expecting; anatomy models that show the size of the fetus at 4 weeks gestation, 8 weeks, and so on; and VHS tapes about abortion and abortion providers. McClure says the tapes are from the 1970s and hardly ever used.

After a client speaks with the advocate and reviews the pamphlets, she is taken to an exam room to take a pregnancy test.

The exam room looks like any medical examining room, with clean linoleum floors, health pamphlets, and a box of rubber gloves on the counter. In the center of the room is an exam table with a sheet of white tissue paper laid out over it.

That’s where a registered nurse would hand the patient a specimen cup to get a urine sample and do a pregnancy test, McClure says. It’s the same test you might buy at a drug store, he says, but here it’s free, funded by donations. The R.N. signs off on the results.

If the pregnancy test is positive, the nurse tells the client there are three options: parenting, adoption, or abortion.

“We’re going to talk about the benefits, responsibilities, and side effects of all three,” McClure says. “We would say, if it’s an unplanned pregnancy, there really aren’t any good solutions. They’re all hard.”

In the discussion of parenting, the nurse talks about the responsibility of an 18-year commitment to another human life, and the resources in the client’s life that may be helpful. The nurse asks whether the boyfriend or husband would be involved.

In discussing adoption, the clinic goes over several different options: familial adoption to a family member, local or national adoptions and open or closed adoption. McClure says the clinic works with several different adoption agencies and will refer clients to the one that best suits her preferences.

“We do let them know, that if there’s drug abuse, the reality is if you’re not going to straighten your life out by the time the baby is here, that [Child Protective Services] would be coming to take that child,” he says.

When it comes to abortion, the nurses do not tell clients where they can get an abortion or refer them to abortion providers, McClure told us. But they will talk about the clinic’s view of the risks of an abortion and the cost.

“Generally,” McClure says, “the further along you go, the more expensive and more invasive and more risks there are. Risk of sterility is one. Perforated uterus is another. And then, of course, emotional side effects as well. All the information we’re giving about the side effects is backed by research and referenced.”

McClure didn’t mention during our tour that at least some claims in that pamphlet used to train the clinic’s nurses and volunteers are disputed by leading research organizations. For example, the suggestion that there might be a link between abortion and an increased risk of breast cancer has been studied and eventually dismissed by the National Cancer Institute and other medical groups.

The clinic’s pamphlet also states that abortion “significantly increases the risk” for conditions such as “clinical depression and anxiety” and “suicidal thoughts and behavior.” But an American Psychological Association task force on mental health and abortion had a different take in its recent review, recognizing that “abortion encompasses a diversity of experiences.”

According to the APA’s task force report in 2008, “the best scientific evidence published indicates that, among adult women who have an unplanned pregnancy, the relative risk of mental health problems is no greater if they have a single, elective first-trimester abortion than if they deliver that pregnancy. The evidence regarding the relative mental health risks associated with multiple abortions is more equivocal.”

Once a pregnant woman at McClure’s clinic has been briefed by the staff on how their organization views the risks of abortion, she is brought to a room where she can get an ultrasound scan, free of cost.

There, McClure tells us, the ultrasound image is enlarged and projected onto a big flat-screen TV. Women often decide against abortion, he says, after they see the ultrasound.

“When you have an image on a screen, all the cloudiness of what we’re talking about kind of goes away,” McClure says. “They’re able to see for themselves: OK, arms, legs, eyes, head. Bingo — that’s a baby.”

The last stop is a closet full of diapers, wipes, baby clothes, blankets and maternity clothes — all available for free to clients who have trouble affording those things.

That’s the end of the tour.

None of these things — no step in that process — would have to change under the Reproductive FACT Act.

Instead, the law requires centers like the East County Pregnancy Care Clinic to post a sign in the lobby that says, in 22-point type:

California has public programs that provide immediate free or low-cost access to comprehensive family planning services (including all FDA-approved methods of contraception), prenatal care, and abortion for eligible women. To determine whether you qualify, contact the county social services office at [insert the telephone number].

If the center is not a licensed medical clinic, the sign would state:

This facility is not licensed as a medical facility by the State of California and has no licensed medical provider who provides or directly supervises the provision of services.

McClure says a sign in the lobby is not how or when he wants his clients at the clinic to hear about abortion. It goes against everything his center stands for, he tells NPR.

One of the people responsible for the law requiring this new sign is Autumn Burke, who represents Inglewood in the California Assembly.

Burke tells NPR that her interest in the issue started the day she went to get her phone fixed at a shop near a clinic that performs abortions. Protesters outside the clinic gave her pamphlets, she says, making claims that she knew weren’t true.

“It [said] that abortion causes breast cancer,” Burke recalls, “that if you are on birth control boys will not like you, or they will take advantage of you.”

A few days later, one of Burke’s colleagues in the California Assembly asked her to co-sponsor the Reproductive FACT Act.

“And I thought, ‘you know what? This is timely,’ ” Burke says. “Making sure women have the correct information.”

A number of health and medical groups, including the regional district of the American Congress of Obstetricians and Gynecologists, the California Nurses Association and the Primary Care Association also supported the legislation.

Burke acknowledges that some crisis pregnancy centers do give good help to women who want to have babies. But she says that others give false information to women, or pose as clinics, even though they don’t have a medical license.

Burke says the law is for those bad actors, and that putting up this sign in these centers wouldn’t be much different than a notice from the health department or the building inspector.

“It’s like a ‘Wash Your Hands’ sign on the wall,” says Burke.

Brad Dacus of the Pacific Justice Institute, one of the groups suing the state of California over the new law, could not disagree more.

“It’s like telling the Alcoholics Anonymous group that they have to have a large sign saying where people can get alcohol and booze for free,” Dacus says. “It’s like telling a Jewish synagogue that they can have their service, and do their thing, but they have to have a large sign where people can go to pray to receive Jesus.”

Dacus’s organization has filed a challenge to the law in federal court.

Some U.S. cities, including Austin, Tex., Baltimore and San Francisco, have passed similar legislation and have faced similar legal challenges — with mixed results.

The state of California so far is the largest jurisdiction in the country to pass a law requiring these centers to inform women about the availability of abortion services. If the law holds up, it could make way for measures like it in other cities and states.

Brad Dacus says that if the case has to go all the way to the Supreme Court to stop the law, so be it. To him, the legal battle is all about upholding the right to religious freedom.

“If people are not allowed to carry out their faith, and act and actually exercise their faith — not just have their private beliefs, but actually exercise their faith — then we really don’t have religious freedom,” Dacus says.

The lawsuits against the Reproductive FACT Act are now making their way through the courts.

Kristin Ford, representing the office of California Attorney General Kamala Harris, says, “We will vigorously defend the state law in court.”

7:09

The latest front in the debate over religious freedom is all about an 8 1/2-by-11-inch piece of paper.

This particular piece of paper is a notice — one the state of California will soon require to be posted in places known as crisis pregnancy centers. These resource centers, often linked to religious organizations, provide low-cost or free services to pregnant women, while encouraging these women to not have abortions.

The new notice is mandated by the Reproductive FACT Act, and would make it clear that abortion is legally available in California.

But several pregnancy centers are suing the state, asking for the law to be struck down.

One of the clinics engaged in the lawsuit is the East County Pregnancy Care Clinic in El Cajon, Calif., just outside San Diego. The center describes itself as “a religious, nonprofit, pro-life, free medical clinic licensed by the State of California.” It sits on the corner of a busy intersection, surrounded by strip malls.

A big sign out front says “free pregnancy tests.” That’s one way they get women in the door, according to executive director Josh McClure.

McClure is not a physician, though the clinic does have medical advisors who are doctors, he says. When we recently visited, he didn’t permit NPR to talk to the staff at the clinic, who are all either registered nurses or volunteers. But he did offer to show us around, and walk us through the process of what happens to clients who come to the clinic thinking they may be pregnant.

Most of these women make appointments, he says, but the clinic also receives one or two walk-ins a day. The staff sees about 800 women a year, and that number is on the rise.

First, clients fill out paperwork in the lobby, he explains, then are assigned to a volunteer that he describes as an “advocate.”

These volunteer advocates, who are not medical professionals, take the client into a small room called the library. There the volunteer leads the client through a conversation about her situation.

McClure says his volunteer will ask the client a series of questions to get at these issues: “Why do they think they’re pregnant? [Are] they living with somebody? Is it a husband, boyfriend? What are the circumstances going on in their life? And if the pregnancy does happen to be positive, what are they thinking about right then?”

The library has two shelves with books like What To Expect When You’re Expecting; anatomy models that show the size of the fetus at 4 weeks gestation, 8 weeks, and so on; and VHS tapes about abortion and abortion providers. McClure says the tapes are from the 1970s and hardly ever used.

After a client speaks with the advocate and reviews the pamphlets, she is taken to an exam room to take a pregnancy test.

The exam room looks like any medical examining room, with clean linoleum floors, health pamphlets, and a box of rubber gloves on the counter. In the center of the room is an exam table with a sheet of white tissue paper laid out over it.

That’s where a registered nurse would hand the patient a specimen cup to get a urine sample and do a pregnancy test, McClure says. It’s the same test you might buy at a drug store, he says, but here it’s free, funded by donations. The R.N. signs off on the results.

If the pregnancy test is positive, the nurse tells the client there are three options: parenting, adoption, or abortion.

“We’re going to talk about the benefits, responsibilities, and side effects of all three,” McClure says. “We would say, if it’s an unplanned pregnancy, there really aren’t any good solutions. They’re all hard.”

In the discussion of parenting, the nurse talks about the responsibility of an 18-year commitment to another human life, and the resources in the client’s life that may be helpful. The nurse asks whether the boyfriend or husband would be involved.

In discussing adoption, the clinic goes over several different options: familial adoption to a family member, local or national adoptions and open or closed adoption. McClure says the clinic works with several different adoption agencies and will refer clients to the one that best suits her preferences.

“We do let them know, that if there’s drug abuse, the reality is if you’re not going to straighten your life out by the time the baby is here, that [Child Protective Services] would be coming to take that child,” he says.

When it comes to abortion, the nurses do not tell clients where they can get an abortion or refer them to abortion providers, McClure told us. But they will talk about the clinic’s view of the risks of an abortion and the cost.

“Generally,” McClure says, “the further along you go, the more expensive and more invasive and more risks there are. Risk of sterility is one. Perforated uterus is another. And then, of course, emotional side effects as well. All the information we’re giving about the side effects is backed by research and referenced.”

McClure didn’t mention during our tour that at least some claims in that pamphlet used to train the clinic’s nurses and volunteers are disputed by leading research organizations. For example, the suggestion that there might be a link between abortion and an increased risk of breast cancer has been studied and eventually dismissed by the National Cancer Institute and other medical groups.

The clinic’s pamphlet also states that abortion “significantly increases the risk” for conditions such as “clinical depression and anxiety” and “suicidal thoughts and behavior.” But an American Psychological Association task force on mental health and abortion had a different take in its recent review, recognizing that “abortion encompasses a diversity of experiences.”

According to the APA’s task force report in 2008, “the best scientific evidence published indicates that, among adult women who have an unplanned pregnancy, the relative risk of mental health problems is no greater if they have a single, elective first-trimester abortion than if they deliver that pregnancy. The evidence regarding the relative mental health risks associated with multiple abortions is more equivocal.”

Once a pregnant woman at McClure’s clinic has been briefed by the staff on how their organization views the risks of abortion, she is brought to a room where she can get an ultrasound scan, free of cost.

There, McClure tells us, the ultrasound image is enlarged and projected onto a big flat-screen TV. Women often decide against abortion, he says, after they see the ultrasound.

“When you have an image on a screen, all the cloudiness of what we’re talking about kind of goes away,” McClure says. “They’re able to see for themselves: OK, arms, legs, eyes, head. Bingo — that’s a baby.”

The last stop is a closet full of diapers, wipes, baby clothes, blankets and maternity clothes — all available for free to clients who have trouble affording those things.

That’s the end of the tour.

None of these things — no step in that process — would have to change under the Reproductive FACT Act.

Instead, the law requires centers like the East County Pregnancy Care Clinic to post a sign in the lobby that says, in 22-point type:

California has public programs that provide immediate free or low-cost access to comprehensive family planning services (including all FDA-approved methods of contraception), prenatal care, and abortion for eligible women. To determine whether you qualify, contact the county social services office at [insert the telephone number].

If the center is not a licensed medical clinic, the sign would state:

This facility is not licensed as a medical facility by the State of California and has no licensed medical provider who provides or directly supervises the provision of services.

McClure says a sign in the lobby is not how or when he wants his clients at the clinic to hear about abortion. It goes against everything his center stands for, he tells NPR.

One of the people responsible for the law requiring this new sign is Autumn Burke, who represents Inglewood in the California Assembly.

Burke tells NPR that her interest in the issue started the day she went to get her phone fixed at a shop near a clinic that performs abortions. Protesters outside the clinic gave her pamphlets, she says, making claims that she knew weren’t true.

“It [said] that abortion causes breast cancer,” Burke recalls, “that if you are on birth control boys will not like you, or they will take advantage of you.”

A few days later, one of Burke’s colleagues in the California Assembly asked her to co-sponsor the Reproductive FACT Act.

“And I thought, ‘you know what? This is timely,’ ” Burke says. “Making sure women have the correct information.”

A number of health and medical groups, including the regional district of the American Congress of Obstetricians and Gynecologists, the California Nurses Association and the Primary Care Association also supported the legislation.

Burke acknowledges that some crisis pregnancy centers do give good help to women who want to have babies. But she says that others give false information to women, or pose as clinics, even though they don’t have a medical license.

Burke says the law is for those bad actors, and that putting up this sign in these centers wouldn’t be much different than a notice from the health department or the building inspector.

“It’s like a ‘Wash Your Hands’ sign on the wall,” says Burke.

Brad Dacus of the Pacific Justice Institute, one of the groups suing the state of California over the new law, could not disagree more.

“It’s like telling the Alcoholics Anonymous group that they have to have a large sign saying where people can get alcohol and booze for free,” Dacus says. “It’s like telling a Jewish synagogue that they can have their service, and do their thing, but they have to have a large sign where people can go to pray to receive Jesus.”

Dacus’s organization has filed a challenge to the law in federal court.

Some U.S. cities, including Austin, Tex., Baltimore and San Francisco, have passed similar legislation and have faced similar legal challenges — with mixed results.

The state of California so far is the largest jurisdiction in the country to pass a law requiring these centers to inform women about the availability of abortion services. If the law holds up, it could make way for measures like it in other cities and states.

Brad Dacus says that if the case has to go all the way to the Supreme Court to stop the law, so be it. To him, the legal battle is all about upholding the right to religious freedom.

“If people are not allowed to carry out their faith, and act and actually exercise their faith — not just have their private beliefs, but actually exercise their faith — then we really don’t have religious freedom,” Dacus says.

The lawsuits against the Reproductive FACT Act are now making their way through the courts.

Kristin Ford, representing the office of California Attorney General Kamala Harris, says, “We will vigorously defend the state law in court.”

5:10

Sheena Calliham is all too aware of statistics showing that millennials have less job security and more student debt than their parents.

“Student loan debt is a primary financial stressor and concern for my generation,” she says, “and we’ve also faced a challenging job market.”

Calliham is 32, manages healthcare centers in Columbia, S.C, and has a 2-year-old daughter. A few weeks ago, she signed up for a financial wellness program offered by her employer. She says the stress of the debt and the cost of raising a child were affecting many aspects of her life.

“It can be a stressor that I can take home with me,” she says, “and that may cause me to take things out on people that I love.”

About half of all U.S. employers now offer financial wellness programs, although how they define them varies. Many companies have long offered lectures on topics like retirement. But increasingly, say analysts tracking the trend, employers are tailoring their programs to the worker — more like a personal trainer who works on your budget rather than your waistline.

Most large companies are expanding their financial wellness programs this year, says Rob Austin, director of retirement research at consulting firm Aon Hewitt. And employers realize one-on-one counseling is a far more effective way to reach people and address their particular concerns.

“It really goes much deeper and much broader,” he says.

According to Evren Esen, who directs survey programs at the Society for Human Resource Management, more than two-thirds of professionals in human resources say personal finances are having an effect on their employees at work, and that can affect health.

Money problems cause stress, which can lead to bigger health insurance bills for an employer. And if an employee’s car breaks down and they can’t afford to fix it, that causes unexpected absences. Studies show that a firm’s health costs and absenteeism are both likely to decrease when the company starts a financial wellness program — though how big a difference it makes can vary and be hard to quantify.

There are still challenges, Esen says. The benefit isn’t cheap, and often participation is low. It can also be hard to get employees to open up about their finances at the workplace – even though their privacy is, and must be, protected.

However, she says, for those workers who do participate, employers see real benefits.

“They tend to be more loyal and they’re more likely to stick with the company,” Esen says. “And they’re more likely to give back to the company.“

These programs, which started out with counseling regarding retirement benefits, expanded during and after the lean years of the Great Recession, says Liz Davidson, founder of Financial Finesse, a firm that manages financial wellness programs for employers.

“Financial wellness becomes more attractive when economic times are hard,” she says, “because if you’re going to cut someone’s pay or suspend their raise or cut their match into their retirement plan, that puts pressure on them to figure out, ‘How do I navigate this?’ “

If the social safety net weakens, financial wellness is likely to become all the more important, Davidson says. “We’re not necessarily going to have the corporate or government support we used to have, and financial self-sufficiency is going to become more of a necessity.”

That sort of support from an employer can be especially important for workers in lower income brackets, who are less likely to be able to afford financial planning.

“The people that need it the most don’t get it through traditional channels,” Davidson says. “So, with the model where it goes through the employer, they have access, free of charge, to sit down with a certified financial planner and work through whatever their issue is.”

Calliham, the healthcare manager, says she now strongly encourages her colleagues to use the service. Just having a plan to manage her finances, she says, has made a huge difference in her attitude.

“I definitely — day to day as a mother, as a manager, as an employee, as a wife — I definitely feel like I have my head on straighter,” says Calliham. “I feel like I’m more in control, and they have definitely helped me get there.”