AFLAC was recently selected as the top brand in the insurance and financial servives industry by City Business Journals Network in 2009.  See the full press release at 2009 AFLAC selected.  Management 2000 has consistently offered AFLAC products as an integral element of our employee benefits management program since 1996.  They are the ONLY vendor that has never necessitated a replacement to assure our clients are getting the best coverage for the best price.  Every year we shop all of our vendors against the market to assure our clients have the best deal on medical, dental, vision, life and supplemental products.  We have introduced innovative plan designs utilizing the AFLAC products with traditional co-pay and HSA health plans.  These allow employees to save $$ with high deductible plans while allowing AFLAC products to reduce their out of pocket cost risk.  This has made many of our clients, who have had to utilize this arrangement, very happy.  We have several AFLAC agents who work closely with the Management 2000 Benefits team and have done so for the entire 13 years.  This has created an atmosphere of consistent claims administration and benefit plan designs for our client groups.  Congratulations to AFLAC for their well deserved designation!