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The benefits industry is heating up with launches, mergers, and more. (Photo: Getty)

It’s been a brutal week in the U.S. — cold and barren out here in the west. Small birds look for feeders; the larger birds seek ways to leave. The creek has swollen rather than receded as we thought it would. The coyotes have come down from the hills to prey on mice and rabbits who once thought they were safe.

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