Eventually we will work with 44 communities.

People represent different parts. They work out what would happen and what they should do.

We did this program with Allentown and Easton. We are so pleased Bethlehem wanted to join. Now it will be region-wide, which will be great for emergency preparedness.

A lot of people think, 'I'll give acting or poetry or filmmaking a try. And if it doesn't work out I'll go get a law degree, do something else that's more practical.' For me I went the reverse way. I lived the back-up plan.

As long as people work when there's work available, we have no long-term plan to change our benefit program.

In any given market segment there will be at least three carriers who will be roughly equivalent on price. So even though price is important, it's not the exclusive driver of the decision. Claim services and purchase convenience are other possible factors that could relate to an online presence.