Also on your insurance carrier and network. Besides, Philadelphia is one of the worst markets for healthcare due to the malpractice situation here. I don't understand it fully and I don't plan to live here long enough to do so, but there's a lot of suits and lot of very high awards in suits. And yet, the doctors that remain here are pretty damned good, very thorough and careful. The docs I used to see back at the University of Michigan were arrogant. Sometimes the arrogance was justified, but most of the time not. The MCare network itself was really good.