Are you actively recommending something like this to your clients as well and you work with?

You know, a lot of clients we work with, we don't work direct with the employer group.

We work typically with the TPA and or the broker.

But trust me, we're making those recommendations and those comments because it's all about knowing clients.

what's going on, knowing what's out there, because the field changes every day, right? There's always a new flavor of the month in the medical field, a new drug that's out, a hospital that all of a sudden you find out isn't doing what it's supposed to do.

So it's a lot of education, which I think is really important because...

People need to understand what it is that they bought and how it's going to impact their employees on a day-to-day basis.

The latest cost containment trend, is it signal or noise?