True, though of the two the former is more likely to happen, and not llikey to happen anytime soon. The latter would require one of the companies to break from the pack and offer the aforementioned options, thereby creating a divison within the market. Though I am sure I'm not telling you anything you don't already know, and we all know that we will continue to take it in the ass from the insurance companies and Uncle Sam for the forseable future. Perhaps we should be more concerned with protecting our backside and not our melons?