Claims are still high but are way down. The anti-fraud initiative is paying dividends,

We have not been vigilant enough in monitoring fraud in the program. I think it's an important program to continue, to show good faith to our customers, but it's not going to be a giveaway.

I wish I had never got manic depression. When I was in junior high, I didn't know what was the matter with me. It was as if I'd died or something. Now that I go to a clinic and get the right kind of medicine, I am not as depressed as I used to be.

I think it's absurd that insurance companies would avoid paying these claims,

I have somebody paying my bills now.

Fund managers don't want to hand investors high dividends in the year 1999 but if they take them over the course of the year 2000, it doesn't hurt as bad.