Ultimately, the test is whether we've achieved better access to lower cost quality health care in that region and we think we actually have done that.

Everyone knows that the current system is not working very well. Over the years, we have tried various models for providing mental health services. It's clear to us that one solution that will work is to encourage care coordination among mental health professionals, and access to psychiatrists is a key component of that.

No, Blue Cross is absolutely not stockpiling cash.

Based on our current business policies and practices, we would not make those investments today. Having said that, they were for very worthy causes and there was not a conflict. But again that's a difference of opinion.

We produced 120,000 pages of documents. We answered over 300 questions. And it spanned a 5 year period starting in the year 2000.

We have found there are many people who've found it to be very valuable, and very useful.

(Hatch) really views health plans as playing a very narrow role. We have an eye towards the long-term determinants of health care costs. We think it is central to the mission of the organization.

What is the total percentage of premium we spent in administrative expense? And we are under 10 percent of the premiums we spend on administrative expense.