Remember, this process is only beginning Nov. 15. Its a long process and it's time for beneficiaries to get up to speed and get familiar with things, take their time -- and make the selection that's best for them.

So, if a beneficiary is concerned about going into that coverage gap, and not wanting to face 100 percent out-of-pocket costs, it would behoove them to research the plans in their area that do provide coverage in the coverage gap.

the beginning of the end.

We wanted to stop their run game. We changed a couple of coverages after the beginning, but you always want to see if you can go man with them, but Johnson beat us deep.

For me it's absolutely necessary to start from the very beginning. I can't think of coming and contributing something anywhere along the line other than the very start.

We had to do an internal investigation in the beginning and we needed someone independent to do that.