I think it's a challenge. I'm an employer as well, obviously. We have people on staff and we go through a regular review with our insurance provider, and we see this challenge daily, even though we're only nine people, so I can only imagine what it's like for larger employers.
One point that I would mention as well is that there are some other drivers here. We've looked at it in a very narrow slice of treating somebody, keeping them out of the hospital, keeping the expense down, and saving the health care system. There is an important contribution to the employer as well. If you get individuals treated and get them back to work, the employer does benefit.
More importantly, what we do know about people is that if you are gainfully employed and contributing as an active employee, you're a healthier person generally. You feel like you're contributing to society and also, as a father, as a spouse, you're a better person at home. So there are a whole bunch of other parts to this that are very important to consider. I certainly know that employers and life and health insurance companies factor that into their decision-making; governments less so, for obvious reasons.