I apologize, this is more of a comment. I was thrilled with the incentives that 365 offered and recommended Humana as a result to many people. Even though one of my docs didn't stay with Humana for 2019 I remained with the plan. I am sorry to see the incentive reduction for 2019. If the company thought a lower incentive would still work, please think again. Hey, there's no shame in changing your mind! Any chance you'll reconsider the incentive structure?