Thank you for that question.
We have not asked our members if they would be interested in that option. It's simply not something that we could legally offer them. The question has never been tabled.
Definitely, from our members' perspective, one of the things they look for from membership is something that will reduce their overall costs. Any kind of plan, whether it be auto insurance where we have plans for reduced costs for gasoline...you know, a number of what we call “affinity” programs. What they do is provide greater access to more, especially for small business, at a lower cost. Some sort of system that allowed us to provide pensions where the individual employers would not have to incur these significant costs for administration would be something that we would be happy to talk to companies about; some sort of group plan.