I, Rick Vest, believe developing cost management strategies for my clients is a key component. We have always devised innovative health care plan designs. Providing notification of regulatory changes and their impact on benefits plans and wealth management is at the core of what we do. More than 50 percent of my time with clients is spent discussing the effects and repercussions of health care reform. We must be involved because we need the input. The review and critique of renewal proposals from carriers is where our expertise comes into play.