We have implemented new systems that improve our claims-processing and appeals efficiency and accuracy.

A vast majority is equity that is already vested in the company. It's not a result of this merger at all -- 90 percent of the options that are granted to the executives would vest with our without the deal.

Those options for consumers are superior to what we have.

The big thing for Nevada, for us especially, would be the huge investments in technology and what they've done to modernize health care administration.