Everybody thinks they're above average. Obviously not everybody can be above average. Somebody has to be below average.

That's true if the company, the plan, has a premium that's at or below the average. If it's above the average then they are obligated to pay the difference.

Obviously it's above average, or even superior.

That is about average for a recovery. It's above the recovery we saw in the early '90s, but significantly below the recovery we saw in the early '80s. So it's a very sort of plausible forecast.

They're above the tracks and we're below the tracks.

Doubt is not below knowledge, but above it.