I would do the 60/5 and believe that I would be vested. If I thought for a second I would not stay for 3 years, I would not join in the first place. The renewals are the key for LTC.
So, WestCoast, if you want 80/8 today with no vesting requirements with Genworth you can call me
So, WestCoast, if you want 80/8 today with no vesting requirements with Genworth you can call me