host: canton, ohio is next for deborah russell of the aarp on older work force issues. go ahead, please. caller: yes, ms. russell, good morning. guest: good morning. caller: first of all, i've been an aarp member since i was 55. i'm now 66. i was astonished when i found out, i used the club for the first time a few weeks ago hat the calls were taken through a subcontractor through aarp and are sent overseas into indonesia. my question to you, i can't imagine why in the world aarp, who is concerned about having employment opportunities for the elderly, not providing those jobs here in the states. can you address that issue for me, please? guest: i'm sure -- to the best of my knowledge i'm not aware our call center is in indonesia. our call center has always been u.s.-based. and so where that information came from, i'm not sure. but our call centers are u.s. based. host: let me go back to older workers. you suggested some of the reasons that people are working longer is because they need the postpone and also because of health insurance. how much a factor does better heal