So you are saying that fraud should continue to be overlooked so your comp won't be reduced?You're right there cutting fraud and abuse . Perfect example is United healthcare stock down $40 this am as doj investing massive fraudulent over billing in its mapd . They're saying unh ( and all carriers ) used fraudulent billing codes to falsely bill billions of extra money , How this affects agents is if we make a lot less than you make a lot less or none . It's no different than any other industry . When profitability falls big everyone effected . Mapd's going nowhere but comp structure will .