 I think the monthly premium is going to be a lot bigger factor this year than it has been in the past because it used to make a difference, you know, $1,000 here or there. Whereas if you're going to hit the max at $2,000, a higher cost premium isn't going to make that much difference. They will still affect, you know, your copay might be a little less, you may have a lower deductible or no deductible.