But the programs we're going to offer don't have to necessarily target a child with a disability.

This summer we'll offer a fitness and coordination clinic for children - that could be children with a disability, or a child of typical development who needs to improve some of those skills.

Most practices would see children, but they were adult-oriented. They did not specialize or focus on pediatrics, whereas in other larger communities, there are plenty of pediatric therapy providers.

rules

I choose not to place "DIS", in my ability.

Our first quarter results were affected by comparatively higher claims expense in both our employee benefits and individual disability businesses, which we have said can fluctuate widely from quarter to quarter. The slower rate of premium growth for the quarter was largely attributable to the effects of our ongoing commitment to pricing discipline in what was noted as a very price competitive renewal and sales environment for the quarter.