while some states are still sorting through ballots (handwritten or otherwise), I can't help but wonder whether all this reading of tea leaves is worth the breath we waste on it.

However, as I look at my flex plan enrollment form, I can't help but feel like health reform pulled a fast one on us. And it was sneaky.

Restaurants fear new reform mandates will jeopardize their ability to offer affordable health insurance to part-time and full-time hourly workers that participate in a limited medical plan.

Actually, it's not. The problem is, many advisors and producers don't understand the process, thus they make it hard to get results.The financial sales model ...