They could ask their families, their friends, their doctor. They could also check with the National Committee for Quality Assurance , which has a ranking of health care plans.

Those who are healthy and wealthier are more willing to try them.

There have been similar findings with regard to diabetes care. When Pitney Bowes lowered costs for diabetes and asthma medications, they found that overall costs went down and compliance went up.

Many agencies pick one marquee client to pin their award hopes on and use the old standby 'it's about quality not quantity' to excuse why they haven't won more awards. Our attitude is why not submit as much of our brilliant creative work as possible and see how we compare to the biggest names in the industry. The fact is, we are dominating these awards, and it's just the beginning.

Do not choose for your friends and familiar acquaintance those that are of an estate or quality too much above yours...You will hereby accustom yourselves to live after their rate in clothes, in habit, and in expenses, whereby you will learn a fashion and rank of life above your degree and estate, which will in the end be your undoing.

She always made sure that she didn't get so busy that she didn't spend that quality time with her friends and her family.