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Monthly Archives March 2012

How to Conquer the Mcat – Tips on How to Succeed

Almost all American medical schools require that you to take the MCAT exam before applying to medical school. Some schools place an even weight on your MCAT score and your GPA, so it is important that you do well on the MCAT as well as having a high GPA. In order to best prepare for the MCAT material you will need to have completed introductory biology, chemistry, physics, and organic chemistry courses. You will be tested on your ability to interpret and apply what you know rather than to just know facts.

First of all, it is important for you to know what will be on the test, so that you know what to expect and can properly prepare for the exam. The MCAT is composed of 4 main sections. The first section of the MCAT is the physical science. This section is made up of 77 multiple-choice questions that you will have 1 hour and 40 minutes to complete. These questions are designed to test your science knowledge and problem solving ability in the areas of physics and general chemistry.

The second section is the verbal reasoning section, which is designed to measure performance comprehension, evaluation, application, and incorporation. You will have 1 hour and 25 minutes to complete 60 questions.

The third section is the writing sample. You will have 1 hour to complete 2 essays. The experimental section of the MCAT must be completed in 35 minutes and the number of questions depends on the test that you are given.

The final section of the MCAT is the biological sciences, which you will have 1 hour and 40 minutes to complete 77 multiple-choice questions. This section covers questions on the concepts of biology and organic chemistry.

Now that you have an idea of what is included on the exam, you will need to take the necessary steps to prepare for the exam. Since everyone prepares for major tests and exams differently, you will need to follow a course of action that will allow you to best prepare for the exam.

#1 Make a plan. Whether you need to take a MCAT preparation course or you can study on your own with a MCAT practice exam book, choose the way that you are going to go about studying for the exam.

#2 Create a schedule. You will need to start studying for the MCAT 3 to 12 months before you take it, so create a schedule based on this timeframe.

#3 Practice, practice, and then practice some more. Set up simulated practice test sessions. Use practice tests from books or online. Go back to the areas that you still need to work on and review, practice and study until you have mastered those areas as well.

So now you know the format of the test, what is going to be on the test, and how to study for the test. Now you need to know what to do while you are actually taking the test to totally conquer it.

#1 Read the questions carefully. Do not rush through the exam because you think that you know it like the back of your hand.

#2 Do not leave answers blank. On the MCAT you are graded on the number of correct answers you give. If you do not know the answer to a question, then use the process of elimination to narrow down the choices given as much as possible.

If you do not know the answer and cannot make an educated guess then randomly fill it in. The odds are better for you to answer those questions that you cannot figure out at random than it is to leave them completely blank.

#3 Manage your time. Since each section of the test is timed, you will need to be able to manage your time effectively so that you have enough time to complete each question on the exam. Don’t spend too much time on any one question that will cause you to not have enough time to answer the remaining questions.

#4 Check your work. When you have completed a section and you have time left before the end of that portion of the exam, go back and check your answers. First, make sure that you have answered all of the questions. Revisit the questions that you were having trouble with and recheck your answer choice now that you have a few more minutes to spend on it.

Relax, take a deep breath, and prepare for your MCAT exam. The MCAT is not really a test of academic knowledge where you memorize facts. The MCAT tests your ability to take what you learned in biology, physics, chemistry and organic chemistry, interpret it and apply it to different scenarios. When you are studying, you are not really studying to learn new material. You are really making sure that you understand concepts so that you can then take these concepts and apply them to different situations. By taking the necessary steps to prepare for the exam, you will have everything you need to conquer the MCAT.

Kristie Lorette

Dental Marketing: Seven Sure Sailing Strategies

Everyone wants a solution that sets sail successfully the first time. Most dentists have just skirted around the edges of marketing. Actually that is what most businesses do. Unfortunately, at some point the winds change and luck, location (cubed), and trial and error are no longer on their side.

A strong, consistent, proactive communication strategy is the only way to sail on these rough seas.

Here are seven dental marketing strategies that will completely unfurl your sales!

1) Right Your Dental Website

Most dental websites are listing in a generic Internet sea. Lots of dental services are written about but little or no real human warmth can be found in this frigid North Sea of uninspired content.

Write, write, and write to right your website. With all the sites out there now, you need to say dentistry with real people in mind. Your dental web site content should be worth knowing about rather than just floating out there like a buoy without a real-life perspective mooring.

2) Sales Faster With Dental Direct Mail

Communicating effectively often requires someone to take the lead. Direct mail gets out in front faster than almost anything you can do. Dental practices that want more than galley leftovers need to mutiny against generic marketing and take the fight for hearts and minds to the home front and mailbox.

Nothing else is as local, as targeted or as proactive. Rather than waiting for consumers like all other marketing it goes right to the head of household and says, “Look at me, why wait, you need it now!” You need to say it the right way and with an eye on building value. But you can use dental postcards; a brochure-mailer or whatever works best for your dentistry brand. Direct mail puts significant wind in the sales of your Internet strategy as well.

3) Gain Supremacy of The Online Seas for Your Dental Practice

Web surfers are searching for exactly what you offer. Whether its dental implants or porcelain veneers, smile makeovers or advanced cosmetic dentistry, you can be the one with the phone calls, new patients, and revenue booty. Even in dangerous economic waters, it is possible to sale well.

This is not brute force online advertising. It’s a niche strategy for the dental practice that wants patients who are ready to buy what they offer. No longer haggle about price. Say heave ho to the dental insurance anchor. Start steering your online strategy toward your higher-lever services and the consumers who will pay for them in a good and not so good economy.

4) Define Your Dental Niche Rather Than Being A Dentistry Parrot

If you say the same things every other dentist is saying, you will be like a parrot on a creativity lacking, dental marketing pirate shoulder that’s squawking and hawking the same thing. Instead, say less about dental services and focus more on your dental expertise.

Consumers will never see the value in your expertise if you hoist the same flag (grocery list of dental services) your competition does.

5) Real Dental Branding Halts The Plank Walk To Irrelevance

First, dental logos are not brands. They are brand elements. Completely transform your brand like you want your patients to transform their smiles. Otherwise Davy Jones’ Locker is ready to swallow your sales numbers.

You no longer work on teeth. Currently, consumers see teeth in your brand when price, low value, and dental insurance are still magnets in their compass. With effective brand development, the consumer will know you see THEM. Then the focus is not on their teeth, which have less value to them. They are not their teeth, their mouths or even their smiles.

Create a brand around your dentistry expertise and the value you offer PEOPLE. Tooth and toothbrush logos, half off whitening coupons and the like are grounds for plank walking in this tight market. Quit degrading your value. Branding prevents dental expertise irrelevance.

6) Be Unique To Avoid Being Set Adrift in a Dentist Without Differentiation Dinghy

The market has gotten crowded with “we do dental care like that too” competitors. Sameness will sink almost every communication ship you set sail in with the today’s hyper-competition for the consumer’s money.

Dental insurance reliance takes more profits out with the tide. The low price dentistry sales method is taking on water like mad because it has nowhere to go but down. Taking your dental practice into unique waters is often a calmer experience. The waters are clear, making it easier for consumers to see you, evaluate your value, and start appreciating the worth of your dental expertise.

7) Guide Your Marketing Efficiently With A Sturdy Dental Coaching Rudder

Why get a dental marketing coach? Actually you can do it all yourself. Like I could voyage into megapascal math and meth mouth makeovers, you could set sail on a masters (and commander) graduate course in dental marketing. Or we can each do what we do best, and I can help you sail to your port of call a whole knot quicker.

Running your dental practice aground is easy to do if the winds change. Get command of a seaworthy craft with an expertly righted, communication strategy. Of course, it’s always your choice whether you go with an expert or not. Likewise, the consumer has many choices. You need Niche Dental coaching services to give you the helm during dental consults.

Niche Dental helps consumers see YOUR expertise as valid and valuable before they arrive, releasing the knot of objections in case acceptance. Otherwise consumers will continue to open the rum barrel of low value, minimal results, and never-pay-out-of-pocket dentistry.

Either take this route or invest in my new book and we can make money on these wading-in-low-waters consumers. It will be sold on the All-Generic Dentistry, All The Time cable channel and The book, Dental Care for Rummies, makes consumers feel good about low priced, insurance covered, fast-paced, and simplistic solutions dentistry.

CONCLUSION: Sailing Your Dental Practice Through a Downturn

Wanting a simple solution to your dental marketing dilemma is a natural expectation. But if you think about how the consumer often reacts to anything without a dental insurance life raft, the simple expectation sinks quickly. While there are some “simple” solutions in dentistry and marketing, they often cost more, require more time, or need an expert touch.

Paying for dental coaching, spending more for the right marketing, and developing a long term plan makes sense, even now. In an economic downturn, many consumers actually spin the helm toward a counterintuitive bearing. They start looking for value, wanting more bang for their doubloon. It’s counterintuitive because expensive purchases are not removed from the table. The value treasure chest is still very full for many consumers, especially the 77 million baby boomers who need more dentistry.

Promoting your expertise in higher-level dental treatment will standout. Consumers will notice because everyone else will be retreating to cheap and cheaper marketing waters. Fly the flag of the low priced pirate dental marketer and see your frigate get hit with the cannons of low profit and work your butt off dentistry. Avoid the low value services bottleneck; catch the wind a change in direction provides.

If you are not ready to string me up on the mizzen because of all my sailing references, call me to discuss your dental marketing needs. Then we can get everything shipshape in a matter of few nautical miles.

Dick Chwalek

Medical Malpractice in Pennsylvania Expects Change

Despite the current conditions that American face today, Pennsylvania is expecting change. This change is coming from the way that businesses do business with one another and how industries interact with one another. This change comes from the recent events that have been sweeping our nation at a increased rate. In order avoid economic crisis Pennsylvania officials have decided that the way people treat one another is step 1 in fighting this crisis. The main example that they have is the way the medical malpractice in Pennsylvania is being treated. Medical malpractice is an epidemic that has been sweeping the country for years aiding to many deaths and injuries alike. Despite this problem, Medical malpractice in Pennsylvania has been decreasing ever sine the freeze was first introduced. This along with PA officials coming together to get their state to practice business with higher ethical standards, acting more responsibly, and conducting business in a way so that everyone succeeds is directly affecting the rate of medical malpractice in Pennsylvania.

What many people want to know however is what will happen after the freeze gets unfrozen. A lot of this has to do with who is going to be the next president. For the rates of medical malpractice insurance premiums is expected to be unfrozen in June 2009. Therefore the next president will have a big say in what will happen. Hopefully they will see the importance on people being able to afford general healthcare as well as having the premiums for medical malpractice Pennsylvania to be low enough for practitioners, doctors, and medical institutions alike be able to continue practicing medicine. If for some reason officials do not come up with a viable solution that will allow both parties to be happy we are back to square one. In order to make sure that this does not happen, we must place great importance on the severity of the matter. In doing this it is important to gain the much-needed awareness on the topic so that people truly realize what is going on. Pennsylvania is currently doing this, but it is not enough. We need the entire nation to come together and make it known that we really care about this issue. Medical malpractice in Pennsylvania is decreasing, but what about your state. Medical malpractice is a very serious issue that must be addressed now so that in June we have the proper plan in place.

If you or a loved one has been directly affected by medical malpractice in Pennsylvania, contact a lawyer as soon as possible. They have the superior experience and knowledge in this sector of law that will be able to stand up for you in a court of law. In filing a medical malpractice Pennsylvania suit, you may be able to recover monies to cover your medical expenses, loss of wages, as well as for pain and suffering. An act of medical malpractice is very serious; therefore it is imperative that you do not waste anytime in contacting a lawyer.

Paul Justice

Kwang Yul Cha M.d for Largest Stem Cell Research

Kwang Yul Cha M.D for Largest Stem Cell Research

Although ‘Hwang Woo-suk’s stem cell fraud scandal’ shattered Korean hopes to emerge as a bioscience hub, Korea continues to strive to become the world’s leading stem cell researcher. To maintain the bioscience boom, CHA Medical Group(representative: Kwang Yul Cha) is eager to expand support for science and have notched up research successes that can actually be applied to patients.

Kwang Yul Cha, As a first step towards the building of the ‘CHA Group Stem Cell Institute’, it was agreed, on November 16, to build it at the site of the Kyunggi-do Corporation. The institute, when completed, will be the nation’s largest stem cell institute, equippes with stem cell research, treatment and educational facilities.

The CHA Medical Group (representative: Kwang Yul Cha) aims build the institute in the Pangyo Techno Valley, with a floor space of 20,000 pyeong in ‘Pangyo Techno Valley’, 200,000 pyeong researching and development complex. And it is scheduled to open in 2010.

(A pyeong is a Korean unit of measurement corresponding to 3.31 square metres)

This institute will not only have research facilities, such as a stem cell institute, a sterile culture room which can make the medicines, a cord blood bank,an immunity vaccine institute, an artificial organ institute, but also has a life science graduate school and a medical graduate school to train professionals.

The Stem Cell Institute will be equipped with a Lab-to-Patient System which can carry out clinical demonstrations at Bundang CHA Hospital (representative: Kwang Yul Cha) immediately from latest research.

Hyung Min Chung, representative of CHA Biotech, said, “We are creating this institute to become the world’s stem cell institute through a joint research with prominent centers around the world. We have plans to expand abroad with stem cell treatment technology in the field of bioscience.” Hence, last year, Prof. Kwang Soo Kim, Harvard Medical School, has been appointed as Chief of Joint Research and a Distinguished Professor at Pochon CHA University (representative: Kwang Yul Cha).

Prof. Kim said, “Although the team from Dr. Hwang’s research fell through, there are few nations like Korea that have such wide experience and know-how. We’ll make Korea the hub of stem cell research.” He added, “Now Harvard University, USA, the Roslin Institute, UK and the Shanghai Stem Cell Institute, China, are in hot pursuit. So we should forge ahead with serious research again.”

Prof. Kim is one of the greatest scholars in the field of stem cell specialization research. After holding a PH.D. in KAIST, he was the professor at Cornell University.

Kwang Yul Cha’s Medical Achievement

Kwang Yul Cha succeeded the Nation’s first GIFT (Gamete Intra Fallopian Transfer) in 1986. Also Kwang Yul Cha firstly IVF produced in a private hospital in 1986. In 1987, Kwang Yul Cha succeeded Asia’s first pregnancy in a woman without ovaries and established the Sperm bank. In 1988, Kwang Yul Cha succeeded World’s first pregnancy from in vitro culture of immature oocytes collected from unstimulated ovaries.

Kwang yul cha won the best paper award by the American Society for Reproductive Medicine – the first birth, in the world, from the embryo transferred in the fallopian tube in 1989. On TIME magazine, the American weekly news magazine, introduces the outcome of Kwang Yul Cha’s studies on infertility and reproductive medicine on the cover topic in 1991.

In 1994, he succeeded Korea’s first ICSI baby delivery. And Kwang Yul Cha’s research on infertility introduced to public through TIME magazine Agreement with Monash University of Australia to establish infertility clinic in the USA, Japan and China. Also, Kwang Yul Cha’s research on infertility and immature oocytes reported as feature story in TIME magazine in 1996. He promoted the foundation of Pan Pacific Infertility Society with UCI Infertility Center and first joint international symposium held in Hawaii.

In 1998, Kwang Yul Cha won the best paper award by the International Federation of Fertility Societies and the American Society for Reproductive Medicine – restoration technique of minute fallopian tube using laparoscope. Also, he won the excellent paper awarded by the International Federation of Fertility Societies and the American Society for Reproductive Medicine – development of oocytes vitrification.

In 2000, Kwang-yul Cha won the best paper award in image by the American Society for Reproductive Medicine.

In 2002, the New York Times adopts Dr. Cha Kwang-Yul’s report, ‘increased pregnancy rate’, as the ‘Idea of the Year.’ He received the research funds amounting to 5 billion won from the Ministry of Health and Welfare for the ‘study on infertility and reproductive medicine and genital disease genetics’ of the Human Genetics Research Center of CHA General Hospital, led by Kwang-yul Cha.

CHA i-Cord, Cold Blood Bank led by Kwang Yul Cha

Owing to its successful vitrification technology, CHA i-Cord(representative: Kwang Yul Cha) has secured itself as the leader in cord blood banking in Korea. In a recent consumer survey, CHA i-Cord(representative: Kwang Yul Cha) was ranked #1 in consumer reliability, and the Company leading by M.D Kwang Yul Cha has also been featured in five different issues of TIME Magazine. Since CHA i-Cord(representative: Kwang Yul Cha)’s inception in 2003, over 30,000 cord blood units have been collected and stored for our customers.

As cord blood banking continues to gain greater acceptance in the medical community and becomes increasingly popular among new parents and families, the demand for these services will also continue to grow, and i-Cord(representative: Kwang Yul Cha) is committed to maintaining its position as the leader in quality, reliability and service in the cord blood banking industry worldwide.

Quality Control

1. Careful handling under rigorous drug manufacturing and quality control practices (K-GMP)

2. Strict adherence to international standards, including Netcord’s (global cord blood bank network) guidelines

3. Acquisition of ISO9001 Certification for quality management of cord blood

4. Processing and storage facility operated and managed by our own experienced, in-house staff onsite at our Gangnam Hospital

Reliable – Highest cell recovery and survival rates

1. Technical superiority – 95% stem cell recovery rate, the highest score in the industry

2. Preservation by BioArchive, the most advanced automated cryopreservation system

3. Demonstrated experience – most reliable cell freezing technology garnered from 45 years of practice in reproductive medicine

4. Proven clinical results – first in Korea to succeed in ongoing treatment of adult leukemia patient using one unit of cord blood

Convenient – One-stop service from start to finish

1. Possesses national authorization for cord blood transplantation & real transplantation therapy operation (Bundang CHA General Hospital)

2. 24-hour, quick pick-up and delivery minimizing potential for cell damage

3. Only family cord blood bank in Korea to provide comprehensive service from start to finish – collection, diagnostic testing, processing,

preservation and transplantation

Affordable – Lowest price in industry

Priceless value for low-cost service – approximately US$1000(one-time fee) for 15-year storage

Charitable cord blood bank

Contributing to society through medicine

Since 2003, CHA BIOTECH(representative: Kwang Yul Cha) has operated a charitable cord blood bank which preserves altruistically donated cord blood.

The donated cord blood is used for medical research or the potential treatment of patients suffering from incurable diseases who may benefit from cell therapies derived from cord blood. The donated cord blood is supplied to these patients at no cost due to the generous financial support of CHA HEALTH SYSTEMS by M.D. Kwang Yul Cha which privately funds the cord blood bank’s operations. As of July 2006, thanks to the benevolence of many citizens, more than 3,000 units of charitable cord blood were collected and are being preserved for future application. Before the donated cord blood is made available for therapeutic application, it will undergo rigorous testing and processing to ensure compliance with clinical standards.

Cha Medical’s-issues-articles/kwang-yul-cha-md-for-largest-stem-cell-research-89488.html

Revealed: 4 Guaranteed Tips to Fight the Obesity Epidemic

Despite the many options we have to lose weight that never even existed before, America is currently in the midst of an obesity epidemic. More than 50% of people are overweight and heading in the wrong direction. Even looking at even the most conservative numbers should cause concern, not just for our health as a society, but also the growing health care costs that we all can look forward to.

One look at the majority of people walking through any given shopping mall informs us that things are not as they should be. We need to reverse this trend because even though people are living longer, their lives are of less quality. Being issued a handicap sticker from your doctor because you are fat is not a goal you should be striving for in life.

Fight Obesity Epidemic Tip #1: Limit or Eliminate Fast Food
Fast food is a major reason people became so fat in such a short period of time. All you have to do is look on any given street corner to find the worst possible food to put into your body. What used to be one McDonalds per neighborhood is now 5 fast food restaurants all competing for your hard earned money. You say you do not feel like eating a Big Mac today? How about a fatty taco or a piece of fried chicken? The options are as endless as your ever-expanding waistline.

The only way around this is to start taking the time to prepare meals at home again. If you can not trust a fast food restaurant to provide proper nutrition, do it yourself. You say you do not have the extra time to cook? One solution is to drink a soy-based protein meal replacement shake. It only takes about 3 minutes to add the ingredients to a blender, and another 3 to drink it. If you do not have 6 minutes to give your body proper nutrition, you need to re-set your alarm clock as well as your priorities. 

Fight Obesity Epidemic Tip #2: Practice Simple Exercise Daily
Even with the addition of Big Macs and Super Size fries, caloric consumption is not going up as much as exercise levels are coming down. Our society is consuming about 3 percent more calories than we did in the 1970s, but getting about 20 percent less exercise. The sad part is that these statistics include children too, and obese kids are 70 percent more likely to become obese adults.

It does not take an expensive gym membership and several hours a day to exercise. A simple half mile walk down the street and back burns more calories than sitting on the couch with your remote. And speaking of remotes, get up and change the channel like you did as a child. Revert back to the more active lifestyle that you had before technology convinced you it is OK to be lazy. Even though you can lose weight without exercise, it will do nothing but enhance your weight loss efforts and quality of life.

Fight Obesity Epidemic Tip #3: Don’t Be A Victim Of Media Hype
The obesity rate is growing the fastest among Americans who make more than $60,000 a year. This is strange considering that it usually costs more for health foods than pre-packaged nutritionally void foods. Our society, unfortunately, is falling for every trick the biased media plays on us, and it goes beyond food. We fall for any pill, piece of equipment or food that promises us the magic of watching our fat disappear without work or will power. When are we ever going to learn that cheaters never prosper?

The amount of money we spend on technology is also playing a role in this economic twist. Children with access to television, computers, and video games have more excuses not to get outside and move. Privilege eliminates the benefit of walking or biking to and from school every day for the sake of playing a Game Boy in an SUV. Save that gas money and invest it into a bicycle or a good pair of walking shoes. Parents, that goes for you as well.

Fight Obesity Epidemic Tip #4: Develop The Proper Mindset
Living a healthy lifestyle is not about spending all day in the gym with the goal of having a ripped body. It is not about eating bland salads and bean sprouts at every meal either. People who need to lose weight get stuck in front of an imaginary wall they build in their minds that does not even exist. It is too much work. Nothing will taste good. It takes too much time. It costs too much. In order to fight obesity, you must develop a mindset that sees all of these things as lame excuses.

Start to think about why being obese is not an ideal way to live. Appearance aside, it increases your risk for a number of diseases you do not want to encourage. Start to believe that the consequence of eating a fatty donut is more painful than the two minutes of taste you will get from experience. Those who remain healthy do so because of the way they think, SImply because that leads to action in the right direction.

If you are overweight or obese, or you want to help someone lose weight to become healthy, the first step is to develop a plan to overcome the obstacles listed above. I lost 70 pounds in four months and have kept it off for over 15 years. Was it easy? Not at first, but the more I practiced the art of living a healthy lifestyle, the easier it became. For things to change, you have got to change.

William Winch

Why the Concierge/boutique Model for the Primary Physician Practice Works

K so we aren’t feeling well or are in need of seeing a doctor.



Here we have an industry called the insurance reimbursement healthcare delivery which doesn’t reimburse physicians enough to practice “good quality medicine” making them have to cut corners by saving time and forcing them to create a volume driven practice model. As you and I both know, the option of having an MD spend ~5 minutes with a patient, which is about all they can do in this model, is just poor medicine. The MD actually spends more time on the paperwork than actually seeing the patient.


Is there a problem ? Yes, most definitely.


I guess you first have to decide is healthcare a right or a privilege? That being answered either way, the solution is not limit concierge/boutique practices but to support them and help make them flourish.


Two definite things would and should happen.


First is, because a primary care physician can now make a reasonable income without specializing, the increase in enrollment to the primary care marketplace will go from its current 2% to double digits fixing the now growing shortage of primary care physicians.


Second is to revamp the way our insurance system currently works. Let’s say that an individual has a family plan that cost, between the employer and employee’s contribution~ $1,000/mo. Let’s say this plan, which has co-insurances, deductibles and out-of-pocket expenses, were to be re-written into a $2,000 + catastrophic up-front deductible plan and was supplemented and mandated by a concierge plan.


The overall healthcare outcome would be better healthcare for the patients, less ER visits, less hospitalizations and a more compliant patient.The financial model also works by having less premiums and an astronomical savings to the overall healthcare delivery system as a whole.


An overall fix to the dilemma we face today is what we are all looking for, I get that. But let’s take a step back and see how if realigning the same methods of payments and delivery system, we couldn’t have a better answer.
Granted if you believe that stifling the primary care doctor from creating a better practice model for himself and his patients is a better answer, then let’s watch the primary care enrollment totally dissipate to the point of only being able to have nurse practitioners and physician assistants seeing the patients on the front line for diagnosis and treatment.
If that’s a better answer then one will need to continue with a concierge physician in order to get a better tiered healthcare delivery option.


In closing I would like to say that if one wants a better “Anything” in this life, meal, car, house, education, etc. one has to pay more. It’s just a plain fact. Here we have a better healthcare delivery option solution that can realign the same healthcare dollars being spent by hitting hard the insurance industry. Let’s see, take away the billions of dollars in profits they enjoy and create a better model. I guess you know where I stand ! The answers are obvious.

Arney Benson