OK, WE NEED TO AGREE ON EMPLOYEE QUALIFICATIONS IF WE WANNA GET THIS INSURANCE COMPANY OF TH GROUND. MAYBE EMPLOYEES MUST HAVE A GOOD KNOWLEGE 4 HOW MUCH THE LOCAL HOSPITALS WILL PAY FOR CERTAIN DAMAGES. I SUGGEST BEING OVER THE AGE OF 42. I SUGGEST BEING WILLING TO PAY THE CLIENT LESS THAN IS NEEDED.