Thanks for the insight. I think you bring a very good perspective to this.<p>Although I am not very sure, what you really mean by saying &quot;a lot of lifestyle changes needed to promote genuine health aren&#x27;t really incorporated&quot;...do you mean the employers don&#x27;t promote them? Or the incentives you are relating to don&#x27;t fall under the &quot;wellness program&quot; benefits in general to receive a credit&#x2F;discount (from the standpoint of insurance companies)?