Dear So and So

[Owlie]

Dear Catrin's shoulders:

Behave!

[malkin]

Dear HR Department:

Thank you for not using the word "empowered" to describe how you think I should feel about having our new health insurance out of pocket EXCEED THE MAXIMUM ALLOWABLE CONTRIBUTION TO AN HSA, although it might have been appropriate for you to at least mention that fact in your presentation.

[jobob]

Well, look at the bright side -- you probably don't have to foot the full cost of the monthly premiums as well.