Ron Johnson actually said...

"I think there are a lot of other charts we need to look at if we are really going to get our arms around this issue."

"I always look at this as one of the root causes of our problems is we have separated the consumer of the product from the direct payment of the product."

"The truth of the matter is we either spend money on CSRs to stabilize the market or we will spend money on the increased premiums the insurance companies will charge."

"I think our focus as we move forward has to be on gross premiums."