I appreciate that. As Mark said, we want to make sure that members are protected, that they don't find themselves in a situation where, at the end of the calendar year, they thought they were going to use them and didn't, and they're on the hook for the obligation for that. At this point, we are very interested. I think it's safe to say the board is very interested in them. In fact some members of the board are quite keen on them. We can monitor it as it goes and see how it works for members, and how much money it's saving. Certainly if we're able to expand it to other family members in a way that protects individual members while still achieving the savings, I think it's safe to say we'd be open to it.
On May 29th, 2012. See this statement in context.