He's mobilizing hope, and hope is associated with better health outcomes. You have to be hopeful to pursue your dreams.

Due to his health, he's not going to be able to attend the Super Bowl.

We are not providing health insurance and we are not providing pension contribution. The net cost to the board will be a reduction over current management of probably about $12,000.

As may be expected, we found that CDH (consumer-driven health care) is a dynamic, fast-growing innovation still in its infancy. While early adopters have proven the benefits of the concept, the vast majority of managers have little more than the awareness of the general concepts. We have no doubt that many companies will implement CDH in the coming year, despite the steep learning curve ahead of them.

The money is attractive, but we have to look long term at the health of our program. We don't want to go out and get blown out, because then all of a sudden the '07 game is not as attractive.

Pennsylvania can ill afford adding to the cost burden of our business base when no commensurate health benefit for Pennsylvania residents can be demonstrated.