It allows the parents to focus as well.

I would have (entrants) focus on a commercial that their parents would like.

I'll get calls to make changes because a child's team made the playoffs. Parents will say, 'We would have never thought they would make it. They aren't even that good.' You do all this work to get good rates and then you get hit with per-person penalties or change fees and that eliminates all the benefits of planning ahead.

I don't think parents address the whole child. I think they fragment and they focus on education, and they neglect the social emotional side of child rearing.

For a lot of parents, it just seems like there are other concerns. They focus on education and staying out of trouble and by doing that they somehow believe that [financial security] will take care of itself.

There's so much focus now on obesity, but a lot of parents just don't see the harm in one cupcake. They don't see the magnitude of how much kids are really getting.