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Considering the growing popularity of high deductible plans and how well they work indemnity plans, has anyone here successfully worked with an Aflac rep? As it sits now we've started doing group health and it's been going well, but we're finding it's easier to just have the conversation with the employer about the high deductible plan and then letting the employees opt-in for an indemnity plan. The idea would be to let the Aflac rep do the voluntary benefits after we write the group to avoid any confusion during the sale and give the employees the option of filling in the initial deductible with a plan like that. This would let us focus more of our time and efforts on working the group business rather than trying to pitch each employee on the voluntary. Maybe it'd be better to work with Colonial, but does the concept of having someone else do the voluntary make sense or not so much?