| The higher co-pays can be significant. In the 2004 Lucent contract health care was adjusted a lot for retirees. If I had kept Pacific Care, my monthly premium would have gone from $70 a month to $380 a month. This out of a retiree pension. I had to change to their default provider Aetna which does not cover as much but my premium only went up to $75 a month. Now I have a copay of $30 (up from $15) and roughly 10 to 20% of the charges. Do not discount this as a serious issue. As far as layoffs, Avaya seems to have adopted the pattern that AT&T had, a layoff every year in December just before Christmas. __________________ Do not meddle in the affairs of dragons for you are crunchy and taste good with ketchup. Marty |