Now that I’m (mostly) recovered from last month’s Benefits Selling Expo—our biggest, by the way, with more than a 1,000 people crowded into the Marriott Marina in San Diego—I’m struck by a couple of things.

One, just how big of a deal next year is. I know that almost sounds naive, but we’ve been talking about this legislation for so long that it’s almost become this vague, esoteric threat that always seemed to linger at the periphery. It’s threatening, to be sure, but it’s so far out there that its exact impact on our day-to-day lives has been hard to quantify. But now that it’s almost here, it seems more overbearing than ever before.

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