A
Uh-huh.
B
-- and, uh, so it's different than a company where most companies fund almost the entire thing, where the school district does, um, the employee must pick up a greater figure in the way of, uh, costs.
A
Oh, yeah.
B
But overall, um, I've been pleased with it over the years.
A
Uh-huh.
B
I think the biggest frustration is because of the cost of insurance going up every year, our district has had to alter, uh, you know, change companies, or now we're on a managed care thing, which has stressed a lot of people out --