In the past 2 years, there have been some significant changes to the health insurance front (Your private Medishield plans). In the last 5 years, we have also seen some of the fastest growth rates in the premiums on the health insurance and the additional private riders that you could purchase to reduce the out-of-pocket cost that you would pay if you get hospitalized. I been trying to wrap my head around these changes but never got around it but I didn’t have the bandwidth to get around researching on it. Last year, we had a brief on the changes to the health insurance plans and the impact. The team that did the brief did such a great job framing the decision tree we should go through step by step to consider which is the appropriate health insurance. I thought its better I get my head around...