I want to clarify something. Number one is the fact that the group I was with at Nortel actually had a true third-party insurance plan and I actually am covered by it. None of the other employees are.
When we made the transfer to the other group at Nortel, all the documentation was very ambiguous. No one would have known they were sliding off a truly third-party underwriter to a self-insured plan. That was the first challenge.