[TStoneMBD]

hi evan, great response. thanks. one thing i noticed however is that you said that insurance companies might actually make less profit with more expensive policies because they want the cash. at first glance this made sense because more cash means more interest. however, if this is what you meant to imply then i think its wrong. when an insurance company takes money from you it doesn't hold on to it, it immediately dispenses it to medical bills of other clients. In other words, if the insurance company sold you a $100/m policy with $20 profit and $80 actual insurance equity, according to the law of averages they would never have any of this $80 equity in their hands, it would be paid out to clients every month. ill take a look at your resources when i get a chance. thanks for locating them.