I think with the insurance mandate that is likely to end up coming out of Congress, ALHC's insurance marketing division acquired in Access Plans USA merger (which did $5.7 million in revenue in 2nd Q) will do very well.

Also the wholesale plans, should have same showing, Rent a Center sales are not off anymore than last Q and umemployement is somewhat stablizing.

As for the retail plan division, I think that is the wild card. That could be effected by Obamacare, but most of that legislation will not take place for a few years. The market for prescription drug, vision, dental discount cards is growing fast.

I think we will be pleaently surprised. Imporving margins even a little when we are doing $13 million in revenue for the Q will make a huge impact on net income.