I believe those are all false assumptions. They're true of an entire healthcare environment in this country today. We have inflation. We have an aging population. We have many new and expensive treatments, drugs, X-rays.
Hospitals are more expensive than ever.
Administrative costs have increased. But they certainly created a problem for HPR because HPR, in an effort to become market-driven, kept their premiums flat for four years. The result of that, as in any market-driven economy, is that services became less available. Unfortunately, in healthcare, that creates certain ethical dilemmas which we're all trying to deal with now. I think we need to return to having all stakeholders at the table in a meaningful business environment, not just an honorary forum where we could have a cup of coffee and an hors d'oeuvre.