Mr. Brian Dunne:

This year, we began to engage in individual dialogue with our customers that starts with asking what their needs are, telling them the range of plans that might be suitable for their needs and then talking about the focused plans we have introduced. Effectively, we are asking them what their needs are and what they can afford to do, telling them the range of things that might be available and then introducing the best plan for that person rather than talking about an overly expensive plan where the person might be over-insured. We are proactively doing this and the response has been very positive from our customers.