Agree with you 100pct. We lost probably five days in January with the holidays and snow storm. There is no doubt we would have beaten 5 million for January without the days lost.
LMAO, this is getting too funny... ...the prospect of decreasing monthly approved orders is continuously being explained away as being because each month has more days where Main Ave is closed than the month before it (never mind the fact that it only takes 1-2 days to catch up on the paperwork once they re-open for business, thereby eliminating ANY financial impact of these alleged phantom closure dates)...
...are we sure that Main Ave didn't close for 2 weeks for New Years and is closing for an entire week even though the snowstorm is effectively over -- you know, "just in case"? So we should expect approved orders to only be $1.25M and not worry, right?
...and is Main Ave going to close for the entire month of FEB to observe Valentine's Day? So if FEB approved orders is 20 bucks, then that is also totally expected and not a cause for concern as well, right?
egads...
...listen folks, no one knows what JAN approved orders will end up being, but it is fairly clear that there is currently NO REASON to suspect that it should not at least be flat compared to the just-completed month of DEC.
We already know that the first two phases of the new insurance coverage restrictions came and went last JUL and last SEP with no noticeable impact to SCRC. The ONLY difference with this phase III that just rolled out on 1/1/15 is the SIZE OF THE EMPLOYER that the covered employees work for. It's not like the fist two phases were international and now we are rolling out in the US for the first time. Nor is it like the first two phases were for pets and animals and now we are rolling out for humans for the first time. THE DEMOGRAPHICS OF THE 3 ROLLOUT PHASES ARE IDENTICAL. WHY WOULD WE EXPECT ANY DECREASE IN PHASE III WHEN THERE WERE NONE IN PHASES I AND II?