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.

We have 10 employees at my firm, and we have a matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401k and weren't even using it at all. And we're financial planners. It's absolutely critical to have.

We have 10 employees at my firm, and we have a matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401k and weren't even using it at all. And we're financial planners.

We have 10 employees at firm, and we have matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401k and weren't even using it at all. And we're financial planners. It's absolutely critical to have.

We have 10 employees at my firm, and we have a matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401(k) and weren't even using it at all. And we're financial planners. It's absolutely critical to have.

They really are things that might have meant something to employees. It was a fairly active bidding process.