The old Fortune 50 companies have great benefits.

I had the fortune to be drafted to a wonderful city. I fit in there perfectly... because... when you're drafted, you never know where you're going to end up-but there was no better place for me than Detroit.

Our members are growing more rapidly than most Fortune 500 or S&P 500. We've measured their growth from before joining TEC and after, and there is a significant growth after joining us.

It is going to cost me a fortune, but it's money I would love to spend.

They will never come out and say this is in lieu of care. But we see a lot of employees who will say it is in lieu of and will go that route. It means again lower cost to the carrier and the HMO that's providing the benefits.

Longevity is the key to this.