o 42.8 percent of U.S. companies offer some kind of consumer-driven health care product. o 61 percent of U.S. companies offer some kind of adoption assistance. o 86.1 percent of U.S. companies offer mail-order

o 93 percent of insurance companies faced at least one lawsuit in the past year. o 33 percent faced more than 20 legal actions. o 54 percent reported facing at least one $20 million (or greater) lawsuit.

Health care costs are skyrocketing out of control, the headlines blare. More than 40 million Americans cough and sniffle through life without health insurance, critics complain. Thomas Jefferson, in his treatise for independence, wrote

Investors are creatures of habit, especially when their habits have produced consistently rewarding results with low risk. An example is the deep attachments some of ...