I agree this works really well for you. That indeed is the very positive aspect of your health plan, especially when you are younger and have a job with a good plan. On the other hand, there are lots of retired or elderly people without a quality health plan, who simply cannot afford to continue to pay for the insurance premium due to medical history of having a debilitating disease. Just wondering though if SCD would be considered one of them.
Anyway, I'd like to apologize to the Board for being side-tracked somewhat by bring up this controversial subject. My comment stops here and this is it.
GO XKEM GO!!! GO MONTY GO!!!