Many plans offer more than the standard benefit. Most offer a zero deductible and a flat rate, rather than a percentage co-pay. Some provide coverage in the gap between $2,250 and $5,100, especially for generic drugs.

Benefit of clergy: Half-rate on the railroad

As far as we can tell, it's just flat. This is ground zero of this storm, where the wind met the flooding.

Everybody's got plans...until they get hit.

The viability of defined benefit plans in the U.S. is questionable. It's a real conundrum.

We believe that the ultimate benefit for consumers is a standard for instant messaging/interoperability among all IM products. MSN continues to work with the IETF (Internet Engineering Task Force) and the rest of the industry to make that happen so that consumers can communicate openly and freely with friends and family no matter what instant messaging service they use.