So, I want to get the dirt on it before our next pen-enrollment in Dec/Jan (couldn't do it during the last one...no $$$).And what I wrote them was "I want to get all my ducks in a row before our next open enrollment"I crack me up.And they probably won't even notice. I was tempted to put in 'quack' but thought it might be taken poorly :-P Easilyamused.com