This isn't just a legal compliance issue for us. We consider the privacy issue to be an opportunity to reinforce our brand image.

Many consumers dismiss hotel suites as solely for celebrities and expense-account business travelers, but we want to show them that living in style is not only affordable, but also a great value.

It didn't bother our business.

That supports the hospital's business model.

This is a prints-driven business, so we bring them in with aggressive print prices, then market the other products to them. But now, a lot of people are coming to us initially for cards and books.

Our Senior Segment premiums rose 13%, or $23.6 million, for the year compared to 2004 due to new business and 2005 rate increases. To improve our results going forward, we believe that we implemented the necessary rate increases on our Medicare supplement blocks of business as we continue to focus on actuarial analysis and pricing. As we proactively face these challenges, we remain confident that our Medicare supplement plans will be a positive market for us in the future.