My 15-year-old son loves a TV show called “The Walking Dead.”Essentially life has changed dramatically for a group of people andthey must defend themselves against a zombie apocalypse. Some mightequate this to normal people trying to sift through and understandmountains of government regulations. Whether it's vampires, witchesor Mayan calendars, we love apocalyptic entertainment and it'spartly because the theme is consistent: Rise up to the challenge,be smart, work hard, and do what it takes to survive. Adapt.Cockroaches get high marks for their ability to find crevices andwithstand persecution. For those of you closer to the coasts, thesebugs are known to fly at you causing panic and fear in a ruse toget away.  While not typically a creature warranting noblecomparison, I couldn't think of a better creature that exemplifiessurviving. 

The Patient Protection and Affordable Care Act is changing thegame for employee benefit professionals. The benefits industry hasalready faced many challenges and there's no doubt there will bemore. Adaptation is critical and figuring out new ways to generaterevenue and unique places to prospect will benefit yougreatly. 

Where do you find opportunity? The confluence of PPACA, the highcost of medical insurance (we still haven't done much to addresscost) and U.S. employers limiting the hiring of full-time employeesis creating an ocean of part-time employees. While employers workto manage cost, many individuals will be pushed to exchanges tomake the decision on whether or not they comply with PPACA asindividuals. Are part-time employees a way for you to generateand/or replace revenues? If so, what strategy can you employ toserve these employers/employees?