The bottom line is we're not performing well in these programs.

No business could survive this trend without grave consequences to its operation.

There is a perverse incentive to overspend some, in order to get more.

That's good news. I'm very confident that we won't have to take any action that will result in the loss of service to any individual or family.

People here always said to me, 'Why would you leave civilization to go to a place like Fiji?' Fiji is a far more civilized place than California or New York City.

Hope is simply an anchor that we hold on to, as a way of envisioning the brightness of our future.