George Hill: No understood. And, and if I can have a real quick follow up, I guess, are you seeing anything in benefit construction and benefit pricing and the things that I’m kind of leaning on right here and thinking about, or like what’s going on in the insulin market where you’re seeing much lower out of pockets for patients on insulin, I guess, are you seeing any of these changes either in benefit pricing or benefit design that has the capability to either, I’m thinking about it could like lower your interchange fees, but it might increase your average balances as people tip into their HSAs less as they’re out of pockets fall. Would you be interested in how you’re thinking about kind of those parts of the market and kind of how those pieces move together?
Jon Kessler: Well, I’ll comment on this and then invite Steve to comment further. I personally think that this stuff that’s going on right now with insulin as an example is, and I’m sure I’m stepping on somebody’s toes here, but I think it is both fantastic and incredibly realistic, right? What it’s doing is it’s giving people certainty and certainty is really important for people. We talk about being in the business of connecting health and wealth. It is hard to talk about that in a world where people think that every healthcare transaction that they have, they’re being cheated by somebody on it. And so my hope is genuinely that from a plan design perspective and frankly from a legislative perspective and we’re and this maybe where Steve will comment a little bit, we’re — these are our issues that we’re starting to weigh in on, that we’re able to bring people greater certainty with regard to the routine kind of medications and the like, that are part of their regular daily lives.
There’s no reason we can’t. These are now incredibly low cost items at this point. And, insulin is an example, but there are many others. They’re actual out of real cost is low. And yet we and it’s low in HSA plans too, right? It’s just that we’ve like scared the heck out of people because of the way we all talk about this and we can create certainty, which creates real value. And so that is something I do see employers looking at as they go to plan design. Steve, you want to comment further on this?
Stephen Neeleman: Yeah, I want to also, George say that Jon stole my answer, just your question now. Now, but look, I think that as George, we’ve known you for now I’ve gone it nine years when we met you, right? And consumer — consumers have always been number one to us. And we’ve had questions that are similar to one you just asked, which is like, why do you always tell people about these investments when you make less yield on the investments or when you do on, on the cash? And the answer is because the consumer will always be number one in our book, and it’s because consumers need the help. And so one of the things I did talk to some legislators today about was where they stand on things. In fact, I gave an article from NPR to a senior senator today that talked about the variance one question you just asked and I asked him, what do you think about where we’re standing with these transparency requirements for hospitals and health plans?
