That's a good segue into the stuff with PCVRS and Lifemark. You talked about it in your opening, of course.
Maybe just talk a little bit more about the effects it has. Speak to your own experience or that of your friends in terms of not being able to utilize the service providers that you've already dealt with and trust, that would be more convenient for you or that would better help you, and instead having to use ones that you're forced to because of a contract. Maybe speak a little bit to the problems that it causes.