And in news just in….health care premiums will be going up by 13% in 2004, according to a Corporate Research Group survey.  The "good news" is that the increase will be slightly lower than the last two years.  The real news is that as premiums go up, business will force more costs onto employees, or simply drop coverage, and no new model is in sight to deal with this. Even the big purchasing "thugs" of the mid-1990’s seem unable to halt these increases. And some are losing their clout, like CalPERS. Of course the worse this continues to get, the greater the political and market reaction will be down the road. When it will happen I don’t know, but personally I’m looking forward to a replay of 1991-5.  But not everyone reading this might share that opinion.