[Hoot Gibson]

i personaly do not believe in a third party making profit on
somebody being sick hint insurance company's i do think
15% is still pretty good return on your money

Which is it - does 85% of the money collected in premiums have to be applied directly to healthcare or are insurance companies allowed to make 15% in profit? On which side of the ledger does the cost of doing business go? You know, salaries, taxes, advertising, etc? Do those costs come out of the 85% or the 15%?