Douglas Simpson (Merrill Lynch): Do you see the HealthCare segment growth accelerating over the next three to four years?

Mike Bell: We expect the HealthCare growth to accelerate over the next three to four years. And that would be the case even without the Great-West acquisition. We obviously think the Great-West acquisition adds to that growth rate.

On a going forward basis whether it be share repurchase or additional acquisitions that makes sense economically and strategically, we would expect to get another, three to five points of EPS growth from that combination.

Peter Costa (FTN Midwest Securities): What is going in the experience-rated book versus what''s going on in the other guaranteed cost book?

Mike Bell: A big difference in the two books of business is the higher new business sales in experience-rated versus the new business sales that we have had in the guaranteed cost books.