In terms of containing healthcare costs and improving healthcare quality, do you think healthcare consumers and professionals need even more restrictions than are currently used in managed care? Are there any reasons to revert back to the FFS system, even knowing its inflationary qualities? If you think that managed care is not the answer to our still-rising healthcare costs and quality concerns, what other tools might help lower costs and improve the quality of care? Should any tools be imposed by government regulation or agreed to voluntarily by insurers and the insured?