The cell phone companies add to the problem. Every one they give out, they get money for from the federal government. So they have an incentive to give as many away as possible. And that's exactly what they're doing, and they're making a killing.

Your team has to understand that coming into the ABA, you have to have your investments right and sponsorships and people ready to give you money so they can back you up.

We ought to be incentivizing people to save more of their own money for use taking care of their healthcare expenses, and what we have done is we have set it up where health savings accounts are harder and harder to use for narrower and narrower purposes.

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