And on a side note the CEO of NDBCBS was canned effective immediately last week after the report came out that BCBS of ND lost $73M+ in 2013. Was on a BCBS board a few years when von Ebers was the CEO. Is good man, a very intelligent man. With the current ACA format and as more of it is rolled out, more of his kind will find themselves with a pink slip...it's just the trickle down effect of a bad idea and plan that in realilty as it is being implemented is even worse than initally thought.