Ultimately, the test is whether we've achieved better access to lower cost quality health care in that region and we think we actually have done that.

(Hatch) really views health plans as playing a very narrow role. We have an eye towards the long-term determinants of health care costs. We think it is central to the mission of the organization.

We produced 120,000 pages of documents. We answered over 300 questions. And it spanned a 5 year period starting in the year 2000.

What is the total percentage of premium we spent in administrative expense? And we are under 10 percent of the premiums we spend on administrative expense.

We have found there are many people who've found it to be very valuable, and very useful.

Based on our current business policies and practices, we would not make those investments today. Having said that, they were for very worthy causes and there was not a conflict. But again that's a difference of opinion.