Tim Beyers

I own it.

Ever since our Fool 24 interview with CEO Pete Inefsky, I've been interested in this company.

And part of the reason is that it has gotten so destroyed.

On the Rule Breaker scorecard, down 41% as of yesterday.

hour taping down 99% versus the market.

It is broken in terms of the price here since the IPO.

But that does not mean that these are unnecessary services.

In fact, I think they are growing

in importance.

They're not getting enough credit because I think the healthcare market is ... Carl, I'll be curious if you have a thought about this, but this is my view of it.

Because the healthcare market is so Byzantine, there's so much debate about it, there's so much worry about prices, this kind of

business and product, which is essentially aimed at those who self-insure, which is not a lot of companies.

I mean, it's a growing number of companies that do self-insure.

They kind of manage a bucket of money.

They use an insurer on the front end, and then they pay benefits on the back end, and they get like discounted versions.

And then they kind of build a menu.

The Motley Fool is like this.

As full-time employees, this is what we have.

We are a self-insured company.

We have good benefits, and the company works within a structure in order to do this.