One thing to note is we don't offer these employees health insurance benefits because they get them through retirement. It actually saves us money in that way.

People are aware that they have a major problem with their retirement pensions [and] health insurance - they know that they're going to have to contribute more. That makes them insecure.

Health insurance is becoming more expensive for the average person.

Individuals who cannot afford health insurance coverage can still have access to appropriate care provided by free health clinics. We are pleased to be able to fund better access to healthcare for the uninsured and underinsured and to help limit one of the cost drivers of premiums for the insured -- that is the use of hospitals for non-emergency care by the uninsured.

a slow but perceptible deterioration of our employer-based (health insurance) system.

It's our No. 1 issue. The cost of health insurance keeps on going up double digits every year.