Is There a Bias Towards Worst Case Scenario?

Lynn: I think that it does err on the side of probably being much more than you're going to need. The majority of healthcare policy and legislation hopefully will actually make healthcare costs less in the future, given the fact that we seem to be in such a horrible place. And if you see and you calculate and you find that your numbers are slightly off for healthcare because of a policy change or because of healthcare inflation, this is something that is fixable.