I want to talk to the person who actually designed this thing.
Chapter 10 is one that I want to raise some questions on as well.
I've done some quick math on the fees that the company was getting for processing the health claims. According to my calculations, it's somewhere between 4% and 5%. Anybody who is familiar with, let's say, the management expense ratios on mutual funds or other things would say that once you get up to 2.5%, it seems like things are getting quite extravagant. Is there anything in here that would explain why fees would be in that region to just process claims for health claims?