competitive medical plans

Summary

Summary: Alternative health care delivery mechanisms, such as PREFERRED PROVIDER ORGANIZATIONS or other health insurance services or prepaid plans (other than HEALTH MAINTENANCE ORGANIZATIONS), that meet Medicare qualifications for a risk-sharing contract. (From Facts on File Dictionary of Health Care Management, 1988)

Top Publications

  1. ncbi [Promoting competition and improving quality. Accepting the intergenerational contract by stabilizing health care reform]
    J Wasem
    Lehrstuhl für Allgemeine BWL, und Gesundheitsmanagement, Ernst Moritz Arndt Universitat Greifswald, Friedrich Loeffler Str 70 17489 Greifswald
    Z Gerontol Geriatr 35:292-6. 2002
  2. ncbi Competition in health insurance--is there such a thing in Iowa?
    Lucinda Stephenson
    Iowa Med 92:20-2. 2002
  3. ncbi Systematic review: the evidence that publishing patient care performance data improves quality of care
    Constance H Fung
    RAND, Santa Monica, California 90407 2138, USA
    Ann Intern Med 148:111-23. 2008
  4. ncbi Cost sharing revisited
    Tom Miller
    Health Aff (Millwood) 25:883; author reply 883-4. 2006
  5. pmc Will choice-based reform work for Medicare? Evidence from the Federal Employees Health Benefits Program
    Curtis S Florence
    Department of Health Policy and Management, Rollins School of Public Health, Emory University, 1518 Clifton Road NE, Atlanta, GA 30322, USA
    Health Serv Res 41:1741-61. 2006
  6. ncbi Insuring Californians: a proposal that matters
    Rick Curtis
    Health Policy Solutions, Washington, DC, USA
    Health Aff (Millwood) 26:w92-5. 2007
  7. ncbi What does social enterprise mean for community nursing?
    Rosemary Cook
    Queen s Nursing Institute, London
    Br J Community Nurs 11:472-4. 2006
  8. ncbi Competition on outcomes and physician leadership are not enough to reform health care
    Jennifer Dixon
    King s Fund, London, England
    JAMA 298:1445-7. 2007
  9. ncbi Testing: can financial incentives improve performance and quality?
    Ed Rabinowitz
    AHIP Cover 48:36-8, 41-2, 44. 2007
  10. ncbi [GKV-WSG--what is the status today?]
    Jörg Andreas Rüggeberg
    Chirurg . 2007

Research Grants

Scientific Experts

Detail Information

Publications77

  1. ncbi [Promoting competition and improving quality. Accepting the intergenerational contract by stabilizing health care reform]
    J Wasem
    Lehrstuhl für Allgemeine BWL, und Gesundheitsmanagement, Ernst Moritz Arndt Universitat Greifswald, Friedrich Loeffler Str 70 17489 Greifswald
    Z Gerontol Geriatr 35:292-6. 2002
    ..The reform proposal by an expert group, invited by the Friedrich-Ebert-Foundation to develop a concept of health care reform, takes these considerations into account...
  2. ncbi Competition in health insurance--is there such a thing in Iowa?
    Lucinda Stephenson
    Iowa Med 92:20-2. 2002
  3. ncbi Systematic review: the evidence that publishing patient care performance data improves quality of care
    Constance H Fung
    RAND, Santa Monica, California 90407 2138, USA
    Ann Intern Med 148:111-23. 2008
    ..Previous reviews have shown inconsistent effects of publicly reported performance data on quality of care, but many new studies have become available in the 7 years since the last systematic review...
  4. ncbi Cost sharing revisited
    Tom Miller
    Health Aff (Millwood) 25:883; author reply 883-4. 2006
  5. pmc Will choice-based reform work for Medicare? Evidence from the Federal Employees Health Benefits Program
    Curtis S Florence
    Department of Health Policy and Management, Rollins School of Public Health, Emory University, 1518 Clifton Road NE, Atlanta, GA 30322, USA
    Health Serv Res 41:1741-61. 2006
    ..To examine the effect of premiums and benefits on the health plan choices of older enrollees who choose Federal Employees Health Benefits Program (FEHBP) health plans as their primary payer...
  6. ncbi Insuring Californians: a proposal that matters
    Rick Curtis
    Health Policy Solutions, Washington, DC, USA
    Health Aff (Millwood) 26:w92-5. 2007
    ..In this commentary we suggest some modifications to achieve a more viable plan...
  7. ncbi What does social enterprise mean for community nursing?
    Rosemary Cook
    Queen s Nursing Institute, London
    Br J Community Nurs 11:472-4. 2006
    ..Rosemary Cook takes a look at the thinking behind social enterprise, its potential role in the NHS and what is could mean for community nursing...
  8. ncbi Competition on outcomes and physician leadership are not enough to reform health care
    Jennifer Dixon
    King s Fund, London, England
    JAMA 298:1445-7. 2007
  9. ncbi Testing: can financial incentives improve performance and quality?
    Ed Rabinowitz
    AHIP Cover 48:36-8, 41-2, 44. 2007
  10. ncbi [GKV-WSG--what is the status today?]
    Jörg Andreas Rüggeberg
    Chirurg . 2007
  11. ncbi Medicare risk contracting: determinants of market entry
    F W Porell
    Heller School, Brandeis University, Waltham, MA 02254
    Health Care Financ Rev 12:75-85. 1990
    ..Act (TEFRA) of 1982 made it more attractive for health maintenance organizations (HMOs) and other competitive medical plans to enter into risk contracts with Medicare...
  12. doi Health plan competition for Medicaid enrollees based on performance does not improve quality of care
    Bruce Guthrie
    School of Medicine, University of Dundee, Scotland
    Health Aff (Millwood) 29:1507-16. 2010
    ..Combined with some evidence of negative impact on other areas of care, the findings raise questions about the usefulness of this program in California Medicaid, and about similar programs in other states...
  13. ncbi HMOs healthier, less abused, but fail to increase market share. Interview by Patrick Mullen
    Richard L Hamer
    Manag Care 11:42-3, 47. 2002
  14. ncbi Strengths and limitations of competitive versus non-competitive models of integrated capitated fundholding
    Leonie Segal
    Health Economics Unit, Monash University, West Heidelberg, Vic, Australia
    J Health Serv Res Policy 7:S56-64. 2002
    ..Future research on this issue is clearly required...
  15. ncbi Managed competition: issues for Australia
    D Scotton
    National Centre for Health Program Evaluation, Monash University, Melbourne
    Aust Health Rev 18:82-104. 1995
    ....
  16. ncbi Alternatives to Federal regulatory realignment of health care
    C J Kalkhof
    Group Health Inc, Buffalo, NY
    Healthc Financ Manage 48:34, 36, 38 passim. 1994
    ....
  17. ncbi Consumer-driven health care marketing
    R L Upton
    Browning, Dolby and Sanders Advertising Milwaukee, WI, USA
    Manag Care Q 5:25-9. 1997
    ..They understand--as does their employer--that no longer are all health care plans alike or at parity with each other. The consumer is also demanding greater access to freedom of provider choice, quality of health care coverage...
  18. ncbi Value-based formulas for purchasing. PEHP's designated service provider program: value-based purchasing through global fees
    D W Emery
    Public Employees Health Program of Utah, Salt Lake City, USA
    Manag Care Q 5:64-72. 1997
    ..Most importantly, global fees simultaneously maximize patient choice and provider cost consciousness...
  19. ncbi The role of the physician and the present and emerging health care channel
    K W Westbrook
    University of Memphis, USA
    J Hosp Mark 12:1-22. 1997
    ..Propositions are offered that explain recent vertical integration. Moreover, a conceptual model of the future health care channel is offered for capitated pricing...
  20. ncbi Consumer assessments of care for children and adults in health plans: how do they compare?
    Chunliu Zhan
    Center for Quality Improvement and Patient Safety, Agency for Healthcare Research and Quality, Rockville, MD 20852, USA
    Med Care 40:145-54. 2002
    ..This study examined how adult and child assessments differed in ranking health plans and explored whether the differences justified the additional cost and respondent burden in administering both surveys...
  21. ncbi A tale of four cities: Medicare reform and competitive pricing
    B Dowd
    Division of Health Services Research and Policy, University of Minnesota, USA
    Health Aff (Millwood) 19:9-29. 2000
    ..In the absence of political support, a demonstration of competitive pricing may be infeasible, and Congress could be forced to take the risky step of implementing broad Medicare reforms with very little information about their effects...
  22. pmc Confirmatory factor analysis of the Consumer Assessment of Health Plans Study (CAHPS) 1.0 Core Survey
    G N Marshall
    RAND, Health Sciences, 1700 Main Street, P O Box 2138, Santa Monica, California 90407 2138, USA
    Psychol Assess 13:216-29. 2001
    ..Magnitude of factor loadings and correlations among factors was essentially equivalent within a common health service sector. A higher order factor analysis revealed that rating and reports of care showed marked convergence...
  23. pmc The health plan choices of retirees under managed competition
    T C Buchmueller
    Graduate School of Management, University of California, Irvine 92697, USA
    Health Serv Res 35:949-76. 2000
    ..To investigate the effect of price on the health insurance decisions of Medicare-eligible retirees in a managed competition setting...
  24. ncbi Interest grows in consumer-driven health plans
    Kate Traynor
    Am J Health Syst Pharm 60:130. 2003
  25. ncbi Should benefit to individuals outweigh good for groups?
    MargaretAnn Cross
    Manag Care 12:33. 2003
  26. ncbi Effects of health savings account-eligible plans on utilization and expenditures
    Mary E Charlton
    Rural Health Resource Center, Iowa City, IA 52246, USA
    Am J Manag Care 17:79-86. 2011
    ....
  27. pmc Unhealthy competition: consequences of health plan choice in California Medicaid
    Christopher Millett
    Division of General Internal Medicine, San Francisco General Hospital, San Francisco, CA, USA
    Am J Public Health 100:2235-40. 2010
    ..We compared the quality of care received by managed care Medicaid beneficiaries in counties with a choice of health plans and counties with no choice...
  28. doi Taxing cadillac health plans may produce Chevy results
    Jon Gabel
    National Opinion Research Center, Bethesda, Maryland, USA
    Health Aff (Millwood) 29:174-81. 2010
    ..1 percent of this variation. Industry type and medical costs in the region also play a role. Most variation in premiums, however, remains largely unexplained...
  29. ncbi Early adverse drug event signal detection within population-based health networks using sequential methods: key methodologic considerations
    Jeffrey S Brown
    Department of Ambulatory Care and Prevention, Harvard Medical School and Harvard Pilgrim Health Care, Boston, MA 02215, USA
    Pharmacoepidemiol Drug Saf 18:226-34. 2009
    ..Our objective was to expand our previous signal detection work by investigating the effect on signal detection of alternative study specifications...
  30. ncbi [Legal framework of private health insurance with risks and benefits]
    F Beske
    Versicherungsmedizin 60:57-8. 2008
  31. ncbi [Does the cartel law affect the established sector?]
    H J Schade
    Aktuelle Urol 39:111-2. 2008
  32. ncbi Quality of care in for-profit and not-for-profit health plans enrolling Medicare beneficiaries
    Eric C Schneider
    Department of Health Policy and Management, Harvard School of Public Health, USA
    Am J Med 118:1392-400. 2005
    ..For-profit health plans now enroll the majority of Medicare beneficiaries who select managed care. Prior research has produced conflicting results about whether for-profit health plans provide lower quality of care...
  33. ncbi Early detection of adverse drug events within population-based health networks: application of sequential testing methods
    Jeffrey S Brown
    Department of Ambulatory Care and Prevention, Harvard Medical School and Harvard Pilgrim Health Care, Boston, MA, USA
    Pharmacoepidemiol Drug Saf 16:1275-84. 2007
    ....
  34. ncbi Let's explore a truly free market, consumer driven health care system
    Mariannette Miller-Meeks
    Iowa Med 97:8. 2007
  35. pmc The structure of risk adjustment for private plans in Medicare
    Joseph P Newhouse
    Harvard University, 180 Longwood Ave, Boston, MA 02115, USA
    Am J Manag Care 17:e231-40. 2011
    ....
  36. ncbi [Competition in the health care system]
    Olli Pekka Lehtonen
    TKYSLAB
    Duodecim 121:937-8. 2005
  37. ncbi Paying for performance: implementing a statewide project in California
    Cheryl L Damberg
    RAND, Santa Monica, California, USA
    Qual Manag Health Care 14:66-79. 2005
  38. pmc Capitation and risk adjustment in health care financing: an international progress report
    N Rice
    University of York
    Milbank Q 79:81-113; 2 p preceding VI. 2001
    ..In practice, however, the setting of capitation payments has been heavily constrained to date by poor data availability and unsatisfactory analytic methodology...
  39. ncbi From evolution to revolution: restructuring the New Zealand health system
    T Ashton
    School of Medicine, University of Auckland, New Zealand
    Health Care Anal 1:57-62. 1993
    ..The costs of the reform process have, however, already been high, both in financial terms and in terms of their impact on the morale of health workers...
  40. ncbi Questions and answers about managed competition
    C M Clancy
    Center for National Health Program Studies, Cambridge Hospital, MA 02139
    Int J Health Serv 23:213-8. 1993
    ..Managed Competition would empower vertically integrated corporate health care insurer/providers and disempower patients and the clinical work force...
  41. ncbi Managed competition that works
    P Caper
    Codman Research Group, Inc, Lebanon, NH 03766
    JAMA 269:2524-6. 1993
    ..Although this proposal is written as a national plan, trust funds could be implemented at the state level, if problems associated with portability of benefits among states could be solved...
  42. pmc President Clinton's managed competition proposal
    T P Weil
    Bedford Health Associates Inc, Management Consultants for Health and Hospital Services, Asheville, NC 28801
    J Natl Med Assoc 85:257-63. 1993
    ....
  43. ncbi Getting to go in managed care
    G R Wolford
    Alliant Health System, Louisville, KY
    Health Care Manage Rev 18:7-19. 1993
    ....
  44. ncbi The marketplace in health care reform. The demographic limitations of managed competition
    R Kronick
    Department of Community and Family Medicine, University of California San Diego, La Jolla 92093
    N Engl J Med 328:148-52. 1993
    ..We examined the demographic features of health markets in the United States to see what proportion of the population lives in areas that might successfully support managed competition...
  45. ncbi A specialized mental health plan for persons with severe mental illness under managed competition
    R Scheffler
    Center for Research on the Organization and Financing of Care for the Severely Mentally Ill, Western Consortium for Public Health, Berkeley, CA
    Hosp Community Psychiatry 44:937-42. 1993
    ..Alternatively, HIPCs could require the general health plan to operate or contract for MHMOs. In each case, the HIPC would provide quality-of-care oversight and assign a team to act as a gatekeeper for referrals to the MHMO...
  46. ncbi Health care reform: clarifying the concepts
    A M Miller
    Ball State University, School of Nursing, Muncie, IN 47306
    J Community Health Nurs 10:199-211. 1993
    ..Reform is inevitable. The challenge for nurses is to understand reform issues and then influence policymakers to initiate reforms that make essential medical and preventive services universally available...
  47. ncbi How will changes in health insurance tax policy and employer health plan contributions affect access to health care and health care costs?
    M S Marquis
    RAND, Washington, DC 20037 1270
    JAMA 271:939-44. 1994
    ....
  48. ncbi Managing the health care system under a global expenditure limit: a workshop summary
    D L Rogal
    Alpha Center, Washington, DC 20036
    Inquiry 30:318-27. 1993
    ....
  49. ncbi [Quality management between science and competition]
    H K Selbmann
    Institut für Medizinische Informationsverarbeitung, Universitat Tubingen, Deutschland
    Gynakol Geburtshilfliche Rundsch 34:139-44. 1994
    ..but the only way to a widely applied total quality management is quality-assuring activities and quality becoming factors of competition themselves...
  50. ncbi Healthcare reform wars. Somebody could get hurt
    R E Moffit
    Heritage Foundation, Washington, DC
    Postgrad Med 96:47-51, 55-6. 1994
    ....
  51. ncbi Anticipated changes in the doctor-patient relationship in the managed care and managed competition of the Health Security Act of 1993
    J La Puma
    Department of Medicine, Lutheran General Hospital, Park Ridge, Ill
    Arch Fam Med 3:665-71. 1994
    ..Both doctors and patients want to have strong, personal, values-oriented relationships. Whether such relationships are possible under the Health Security Act remains to be seen...
  52. ncbi Strategies for implementing global budgets
    J Holahan
    Urban Institute, Washington, DC 20037
    Milbank Q 72:399-429. 1994
    ..The fourth model is singled out for its ability to control costs. An independent policy toward capital expenditures could increase the likelihood of success under any of the strategies...
  53. ncbi Managed competition: a critical analysis
    A L Jackson
    Michael Reese Hospital, Chicago, IL 60616 3390
    J Health Care Poor Underserved 5:252-5. 1994
    ..A single-payer alternative presents a more viable way of reducing administrative costs and providing health insurance for all...
  54. ncbi Managed competition for the poor: more promise than value?
    T P Weil
    Bedford Health Associates, Inc, Asheville, NC 28801
    J Health Care Poor Underserved 5:158-68; discussion 169-72. 1994
    ....
  55. pmc Saying goodbye to Canada's single-payer system
    C Carruthers
    Ottawa Civic Hospital
    CMAJ 152:731-3. 1995
    ..The result, says Carruthers, is that government influence is bound to diminish as the private sector tries to fill voids created by governments that are trying to live within their fiscal means...
  56. ncbi Estimating health expenditure growth under managed competition. Science, simulations, and scenarios
    R H Miller
    Institute for Health and Aging, University of California, San Francisco 94109
    JAMA 273:656-62. 1995
    ..We recommend that simulation models should provide a range of estimates that better reflect both market trends and the profound uncertainty about the effects of health system reform...
  57. ncbi The hubris of health status measurement: a clarification of its role in the assessment of medical care
    N Goldfield
    3M Health Information Systems Inc, Department of Health Services, Boston University School of Public Health, MA, USA
    Int J Qual Health Care 8:115-23. 1996
    ..The paper then provides different suggestions for dealing with this important issue. Most notably, a community based health status assessment is recommended...
  58. ncbi Managed competition: a health reform plan that "puts people first"
    C W Stenholm
    U S House of Representatives Washington, DC
    J Am Health Policy 3:15-8. 1993
    ..President-elect Clinton should use the managed competition model as a blueprint for the health plan he has promised in the first 100 days in office...
  59. ncbi Paying for efficiency: what price the quality of hospital care?
    A Shiell
    Centre for Health Economics Research and Evaluation, Westmead Hospital
    Aust J Public Health 16:294-301. 1992
    ..If managed competition is tried in Australia, the opportunity should also be taken to examine its impact on the quality and outcomes of hospital care...
  60. ncbi What will future historians say about the Clinton health reform act
    N Goldfield
    3M Health Information Systems, Wallingford, CT
    Physician Exec 19:3-8. 1993
    ..He calls himself a skeptic, not a cynic, saying that the likelihood of meaningful change is small, given the numerous proponents of the status quo...
  61. ncbi Federal official discusses reform. Interview by Debra Mamorsky
    B C Vladeck
    Health Care Financing Administration
    J Health Care Benefits 3:37-42. 1993
    ..The administrator of the Health Care Financing Administration discusses managed competition, the cost concerns of small and large employers under such a program, and what benefits managers must do in response to health care reform...
  62. ncbi Reform in Washington state
    S A Rubenstein
    Group Health Cooperative of Puget Sound, Seattle, WA 98121
    HMO Pract 8:26-9. 1994
    ..The most dramatic observation is that the pace of change is far more rapid than our organization has experienced in recent years; and that pace of change is likely to continue for years to come...
  63. ncbi Elements of the American Health Security Act of 1993
    K Fickenscher
    Michigan State University Center for Medical Studies, Kalamazoo
    Physician Exec 19:4-16. 1993
    ..This article will examine the position of the Clinton Administration on health reform and the core elements of the reform package...
  64. ncbi Managed competition in Minnesota
    J Klein
    Minnesota Department of Employee Relations, St Paul, MN
    Manag Care Q 1:58-67. 1993
    ..The program's experience may offer insights into the potential success of managed competition in other settings...
  65. ncbi Are competing psychotherapists manageable?
    M J Bennett
    Medco Behavioral Care Systems, Burlington, MA
    Manag Care Q 2:36-42. 1994
    ..Shared accountability is proposed as an alternative to the problematic ethic of competition...
  66. ncbi The iron triangle and the chrome pentagon
    R B Donker
    Global Business Network, Emeryville, CA
    Healthc Forum J 36:72-7. 1993
    ..Like the arms race, the healthcare system is built on a framework of incentives driven by fear and finance--also like the arms race, it will not admit to piecemeal reform...
  67. ncbi Managed competition
    V F Maher
    Department of Health Care Programs, Iona College, New Rochelle, NY
    Hosp Mater Manage Q 15:69-78. 1993
    ....
  68. ncbi The opportunity to do better: lessons old and new from Germany's health system
    R A Knox
    Boston Globe
    J Am Health Policy 3:37-48. 1993
    ..New lessons, which are more concerned with operational strategies, include societal affordability, budgets, supply side restrictions, and volume controls...
  69. ncbi Aggressive regulator or passive price-taker: what role should HIPCs (health insurance purchasing cooperatives) play?
    E K Wicks
    Institute for Health Policy Solutions, Washington, DC
    J Am Health Policy 3:21-5. 1993
    ..Policymakers must decide whether they want a HIPC to be an aggressive regulator--using its power to force changes among health plans--or a passive price-taker that contracts with plans meeting key criteria...
  70. ncbi Fixing the individual health insurance market
    W R Jones
    Aetna Life and Casualty
    Benefits Q 9:52-8. 1993
    ..The individual health insurance market is in crisis. Among the possible options for reform, a managed competition approach offers the broadest, most comprehensive solution...
  71. ncbi What'll ya have?
    S J Hage
    Cedars Sinai Medical Center, Los Angeles
    Radiol Manage 15:10-2. 1993
    ..In the article, Mr. Hage describes two proposed financing approaches and tells why he thinks both of them miss the mark...
  72. ncbi Medical technology meets managed competition
    D Durenberger
    United States Senate
    J Am Health Policy 3:23-8. 1993
    ..The federal government can provide a safety valve for specific coverage decisions and can facilitate the acquisition, evaluation, and dissemination of information on new technologies...
  73. ncbi Medical group practice and President Clinton's health reform proposals
    T P Weil
    Bedford Health Associates, Inc, Asheville, NC 28801
    Med Group Manage J 40:54-66; discussion 68-9. 1993
    ..In addition, Austin Ross Jr., FACMGA, offers his many years of group practice experience through a commentary following Weil's article...
  74. ncbi Managed cooperation, not competition: a proposal for implementing national health reform
    R C Coile
    Health Forecasting Group, Santa Clarita, CA
    Front Health Serv Manage 10:3-28; discussion 43-4. 1994
    ..Structural and legal barriers to cooperation, such as antitrust and malpractice reform, should be reduced or eliminated to encourage collaborative initiatives under national health reform...
  75. ncbi Purchasing coalitions and managed care
    T Hausner
    Office of Managed Care, Health Care Financing Administration, Rockville, MD, USA
    Manag Care Q 3:76-88. 1995
    ..This article describes the types of managed care plans used by these coalitions and their arrangements with Medicare managed care...
  76. ncbi Battling for national health reform
    L DiVenere
    National Association for Home Care
    Caring 12:12-20, 22, 24-6. 1993
    ..Who in Washington holds the ammunition to wage a winning war? Here is your insider's guide to the health reform leaders and their likely strategies. Be assured only that their battles will be intense...
  77. ncbi Physician collective bargaining: all eyes are on Texas
    J L Quinn
    Vinson and Elkins L L P, Austin, Texas, USA
    J Health Law 33:141-55. 2000
    ..Notwithstanding the intention of its drafters, it is likely that the law and its proposed regulations may only provide physicians with costly and time-consuming procedures that present multiple risks instead of renewed power...

Research Grants4

  1. Coverage, Organization of Care, and Colorectal Screening
    Eric Schneider; Fiscal Year: 2002
    ..Results of this study can guide the enactment of health policies that will increase rates of colorectal cancer screening and thereby reduce the incidence of colorectal cancer and its associated morbidity and mortality. ..
  2. Coverage, Organization of Care, and Colorectal Screening
    Eric Schneider; Fiscal Year: 2003
    ..Results of this study can guide the enactment of health policies that will increase rates of colorectal cancer screening and thereby reduce the incidence of colorectal cancer and its associated morbidity and mortality. ..
  3. Coverage, Organization of Care, and Colorectal Screening
    Eric Schneider; Fiscal Year: 2004
    ..Results of this study can guide the enactment of health policies that will increase rates of colorectal cancer screening and thereby reduce the incidence of colorectal cancer and its associated morbidity and mortality. ..
  4. Massachusetts Quality E-Measure Validation Study
    Eric Schneider; Fiscal Year: 2007
    ..unreadable] [unreadable] [unreadable] [unreadable]..