If you turn down Medicare Part D now and change your mind later, you'll pay a higher premium, a penalty they call it.

That's true if the company, the plan, has a premium that's at or below the average. If it's above the average then they are obligated to pay the difference.

The penalty for failing to pay is much smaller than the penalty for failing to file.

Sometimes you pay a premium to get what you want.

I think you?re going to pay a premium for the hotels, but you probably would pay a premium anyway because of spring break.

That’s historically been its position and that’s one of the big unknowns, whether it will change its mind before the actual vote, but I don’t see Russia going into this Board of Governors meeting and saying 'we don’t want Iran to go to the Security Council' and making a big effort to stop it unless something else happens because I don’t think Russia wants to put itself in opposition to the Europeans and the United States on this,