I understand that, Irulan. I am happy to use the $ for my eye related things. A couple of years ago, I used it for acupuncture, after I negotiated the price down with the practitioner, and then I got the $ back from the HSA. My Blue Cross only pays for acupuncture if it's done by an MD and I was too lazy to research the approved people, so I went with a regular acupuncturist. I know I'm lucky in that DH's company has these great benefits, but I also feel safe that there's a safety net in my state. It's not perfect, but all of the clients I see have our state mandated insurance for low income people and they get good benefits. In fact, I wouldn't have a job if it wasn't for the behavioral health initiative that's specifically part of this plan, for this population.