[flipper35]

But Richard, it is the "in" thing now to hire consultants to do all that stuff to save money!

We do hire some now and then for large projects because 2 IT guys for a 24/7/365 shop with 450 employees keeps us busy. When I say 2 IT guys I really mean 1.5, or maybe 1.25 or so. OK, me and a guy that unplugs the router to the fiber because someone, somewhere had issues connecting to something and he thought that was the best place to start.

David, our daughter sees a pediatric endocrinologist. There aren't any local here, but when my employer switched insurance companies we were told that she had to see a local one or they wouldn't cover the visit. So, when we called to say there wasn't a local one we were told she has to see a local one to be covered. After going round and round we were told she could see her doctor if she had a referral, even though she had been going to this doctor for years. So we had to find a local GP to see her to get a referral to see her regular doctor so it cost them more money than if we had been able to just continue as we had on our old plan.

She still has to get a referral for each visit, but it must make sense to someone somewhere.