I have observed a serious drive by some M.A. companies to promote their hmo's. And by serious I mean the cash incentives are large and the commissions tend to be bigger. Have you noticed that too? So I'm wondering what is the big push here? Is there a quiet backlash to these pffs plans, or is the intent to deliver medical care at lower costs such as hmo's being accelerated? More efficient. I'm thinking those provider contact staff are also costing millions to operate...perhaps they're not needed as much. Thoughts?