Imagine you are the VP of Human Resources for a large health system. One of your biggest responsibilities is to oversee the provision of health care benefits for the system's employees and their families. In fact, behind employee salaries, 'health benefits' is the biggest line item in the system's budget. Your CFO is worried about next year's budget and has approached you with a need to reduce spending on health benefits - or at least cut down on the increase in spending as much as possible