The population is growing, and Medicaid doesn't keep up with inflation. It's nice to have Kaiser's help.

The fact is that our (health care) delivery system is flawed. Many of us do not have an optimistic outlook.

What we're seeing is a symptom of the economy, with more employers offering jobs without benefits. Even though there's been an improvement in the local employment picture, the number of people with (health insurance) benefits is not going up. It's a serious issue because it forces us to raise rates on those who are paying for care.

The main determinant of bond yields is inflation, and inflation is low.

Show me how resource utilization has any impact on inflation in the last 10 years.

The dollar is stronger because of higher rates. Look at the bond market: it's been selling off with higher inflation fears and decent growth prospects. Also U.S. data were not so bad.