Your company, XYZ Manufacturing, has experienced substantial increases in health care costs over the past few years and is expecting a new increase beginning January 1. As the HR director, you've been tasked with offering 4 suggestions to the CFO you want to introduce in the next benefit year to reduce the cost increases. Please create a Memo to your CFO, Dr. Courtney Taylor addressing the 4 suggestions. Ensure proper grammar and formatting. This MUST be in Memo form