writing,aphical computers are ideal. shifting footnotes are one chapter to the next, name change a namecan instantly. it to compose sentences initially longhand. a >> here is some video from a conversation we had some years ago when you were here for "in-depth." >> that is my study. it faces the capital. i have a desk that was built for me to cousins i have always worked with cards. i have two projecting drawers that come out on either side of me. each carries a yard of cards. there are four of these drawers. i have four yards of cards that i can get at. they reconstruct what i am writing day by day. i write by hand. i do use a computer later on. i do like to see the words coming out of the pen. a physicalould have relationship with the manuscript. it is a product of your hands as well is your heart and head. think the reasons i craft of writing is deteriorating is the disconnect between the hand and the page. >> you hear all the time that cursiveople don't use at all. it is all computerized. what are we losing? itdirect

perspective,aphic the survey covers a wide spectrum of industries. just about all the major industries are covered. no one industry dominates, no one sector dominates. it is a good representation of the market. from the employer perspective, these are very large employers. 83% of them have over 10,000 employees. employees or000 more. large companies. large companies typically self fund health care. they don't just pay premiums to insurance carriers for coverage. and the pay claims for medical costs and administrative fees out of their general assets and their fully at risk for those costs and they to use thealth plans networks. one of the questions we asked employers is what do they expect costs to be for 2015 and what are they projecting costs to be for 2015? to beers expect costs about 7% higher than about 6.5% higher in 2015. karen is going to get into some of the initiatives that .mployers are pursuing the net impact is roughly a 5% increase in 2015. budgeting an increase for 2015. what does that look like? if you are a large company that spends