the reason why they are not using full coverage dental insurance

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Full coverage dental insurance consumer so they will consume it they'll use it they'll love it and I think that comes from the products in the services ..

 when you guys look at what you're doing you guys are disrupting industries

 because you're bringing you more easily to the consumer you're bringing reasons why they would want to use it versus

I think a lot of historical dynamics in certain functions different from industry that we're learning from from what you guys do in technical disruption is.

 how do you build things for the end-user and you know we're hearing right now that a lot of companies the the employee experiences they go home they have amazing technological experiences and they come to work and they're years behind is .

 that does that ring true and it seems like that's what you guys are doing and you're finding disruption is you know taking the way things are bringing technology and then making it an

amazing consumer experience and getting to the hearts of what really matters what they want to buy what we want to do do you guys both see that and where you're disrupting yeah I think that's that's right down the fairway in terms of how we're

building the business there's so many opportunities to just cut friction out of all these little processes that frankly just don't work well today coordinating benefits plan through a broker

to an HM an HR manager like yourself is laborious and getting quoting and renewals and policy documents and processing claims and enrolling all the members and rolling

people on the Cobra there's just a lot of stuff there right and those are classically pretty manual processes so to Jeff's point I think there's a population of people which is kind of the emerging millennial class that are used to digitally native

easy to consume experiences in every other part of their life and employee benefits should operate that way and dental services should operate that way because frankly everything else does so we totally agree there yeah I love he makes a

really good point some industries in particularly noise to I I had actually bought a building company a with brick and stone

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