Since it appears that HCR will pass both houses and from what I have been reading the tax on "Cadillac" plans will be part of the final bill, how do you think this will affect union employees? Will there be immeadiate changes such as higher co-pays and deductibles? I don't know what changes can be made within the framework of the current contract or would changes have to wait untill the next bargaining agreement? I am assuming that UPS will pass this tax onto employees either through higher co-pays and deductibles, requiring us to start paying for a portion of benefits or negotiating smaller wage increases in future contracts. What do others see for the future?