"I see this being a tremendous benefit, again, for those folks who have been working and want to retire from their existing job. Maybe their retirement is set, and they're retiring prior to full Social Security benefits, which right now is age 66. So someone's retiring, let's say, in their later 50s, up until age 66, and need -- or want, certainly -- health insurance to cover them. They can get that now with the exchanges and not have to worry about getting that part-time job to cover for the -- for health insurance. I see that being the biggest benefit for our clients on an individual basis."
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