April is going to be a troublesome period because of a convergence of a number of factors.

There are a number of factors - how long of a break, and whether that break is beneficial to the season we're trying to have in North America. Injuries are also an issue and a concern of our clubs and our players.

The fear is many people are unaware the drugs they are currently taking are not covered by their plan.

The great concern is that people aren't going to be aware the drug they are taking is not covered, and they are going to end up getting told at the pharmacy.

There's such a thing as too much choice. If you give seniors a bunch of choices as opposed to a few, their typical reaction is to throw up their hands and take no choices.

You have coverage, but you might not have the right coverage.