And we all have no idea what the drug formulary inside the plans Will look likeIf you don't have a team of licensed people to do this for you you're going to spend several hours switching these clients with all of the new disclosures you have to read over the phone or by driving to their homes in traffic. I don't have that many but just the sheer percentage of them that have dropped their plan, or have been switched out, both intentionally and unintentionally, is souring me on Medicare health plans all together. Imagine trying to expand your client base during AEP but being pulled back by all the changes and having to switch people that have been dropped, switched or resold from a lying, uncaring and unregulated call center overseas? Sometimes it seems that all we're doing is setting clients up for them. Going forward, I'm mostly doing personal life clients and direct referrals.