The biggest hit will be the insurance. We had a Cadillac [health] insurance policy.

You need healthy, vibrant small businesses that can afford to pay for health insurance and provide fringe benefits.

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.

The whole employee benefits field, and health insurance specifically, is an area in which you will not get any rejection. Everybody is shopping prices in health insurance, and everybody wants to see if they can reduce their rates. Most people will talk to you about it sooner or later.

Health insurance is becoming more expensive for the average person.

Individuals who cannot afford health insurance coverage can still have access to appropriate care provided by free health clinics. We are pleased to be able to fund better access to healthcare for the uninsured and underinsured and to help limit one of the cost drivers of premiums for the insured -- that is the use of hospitals for non-emergency care by the uninsured.