I wanted to start a discussion about how third party insurances have changed over the last few decades. Especially for the veterans on the board, could you discuss what you've witnessed over the years. I have been told by older pharmacists that pharmacy used to extremely lucrative because there were not any 3rd party insurance companies, and the politics involved were much more minimal than they are now. Everyone used to pay cash, but with the high cost of drugs it's just not a plausible now. I heard there used to be no 'dispensing fees' and the average whole sale price used by insurance companies to reimburse the retailer didn't exist either. What other things have changed?