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OK guys. A lot of good responses there that I will have to reply to later. Bloody Catalans just scored against Crusaders. Hopefully I (and maybe others) will get something from that.

 

I will say one thing.

$300 a month just in health care? I doubt I pay £300 a month for all my taxes. That is the issue I have with so many different ways of paying for your health care. you're paying too much and not getting the appropriate cover you should for that much cost. Paying so many different brokers just to use the same service is going to drive cost up. I understand you want choice but that it seems is what you're paying for.