Members have greater responsibility for handling their health-care needs, so anything we can do to make that process more efficient is a plus.

Texas has a very strong health care system. Physicians are doing a wonderful job meeting needs under difficult circumstances.

Our preference would have been that a government mandate of this nature be proposed and debated in the open so that all implications could be considered.

We're not growing our reserves in proportion to our company. That's what drives (rate increases).

We'll be meeting the health-care needs of the folks down there.

It's not about health care. No one needs to put away $10,000 a year and have it accumulate to hundreds of thousands of dollars to pay for health care.