" EMF's benefit partners will be offering the newly bundled products, which will reach millions of workers, during the upcoming annual open enrollment cycle that typically runs from September through December, for benefit plans renewing for the year 2013. The Company believes it can have over 20 million enrolled members within 18 months on a per-member-per-month (PMPM) payment model. " END..This aforementioned quote by Dave Loftus of E-Mail Frequency reflects the value reseller companys place on MMRF's Patented PHR and the 20,000,000 target for embedded phr's worldwide is going to be reflected in the quarterly financials. It is going to be a very "HOT" summer and beyond for some very happy MMRF stockholders in my opinion..Tiffer