In the first week of the year, we tried to call the number they'd set up for pharmacies and we had a two-hour-and-25-minute wait. We can't hold an hour for one patient.

The whole thing's created a cash flow problem. We were inundated with requests for 100-day supplies. I couldn't believe the tremendous amounts we were dishing out. And it takes three to four weeks to get a reimbursement.

Of our dual enrollees, 25 percent have received their cards, 50 percent have some sort of information and 25 percent are just not in the system. Thank God for our software. When you get a prescription or a refill that comes up with no glitches, you almost want to jump up and down.

It's illegal to give insurance advice. We don't, but we have a good idea of which ones will pay and fit for them and which ones won't.

But now our fate from unmomentous things, may rise like rivers out of little springs.

Someday I'd like to do some real traveling. I'm obsessed with Brazil and I've always had this dream of backpacking through South America.