Many of the provisions would actually end up harming consumers in the long-term rather than helping them.

We know there are many misconceptions on the part of consumers when it comes to long-term care insurance. They think the insurance is too expensive, they often think it is only for old people and they often believe they can simply pay these bills from their own savings.

A lot of consumers use the term 'bait and switch' when they hear this.

Our studies consistently show that long-term durability is a tremendously important factor for consumers.

The [most] exciting part of this case is that we're actually going to have a reduction directly to the consumers in their gas and electricity bills. As far as a class-action suit is concerned, it's a rare thing that the consumer has a financial remuneration, and that really excited us that we were able to [achieve] that, instead of simply saying, 'Here's a coupon — if you can use it, go ahead and do so.' The other thing is, it's really fun to wear the white hat and not get shot off your horse.

We dehumanize ourselves when we begin to depend on the supernatural provisions.