I agree with Helen’s assessment on health & welfar...

I agree with Helen´s assessment on health & welfare outsourcing deals for first timers, it will be more difficult to justify outsourcing. However we are seeing an increase in the number of companies who have already outsourced going back to market to see if they can improve service levels (or maintaining them) while decreasing the cost of administration. Its more about share shift than deal growth, but the deals are out there.