Don, I agree. If we were allowed to shop around by our health insurance companies the way the auto insurance companies let us shop around for cars, the doctors would be MUCH more of a 'service' industry rather than them thinking that we serve THEM...

Imagine the outrage if your car insurance company FORCED you to go to the dealers they personally picked, and imagine what those sharks would do to us once they had us over a barrel.

Capitalism is a great system, if competition is allowed to be fair, but when certain industries get a monopoly on something we CAN'T live without, it's no different to how communism, if practiced like the theory says it should have SUPPOSED to have been, would have been a fair system too. Trouble is, theory and reality are two totally different things...

And the powerful prey on the weak in both systems...
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An arranger is just a tool. What matters is what you build with it..!