ClearedForOption
Psychiatric Help 5¢
I think that this says it all here... no one will ever agree on this issue because everyone is going to chime in based on what would be total self interest on their part. (i.e. as long as everyone else is tacked on the bottom, do whatever the heck you want!)
It's like democracy... it ain't perfect. People get screwed. But what we've got is a thousand times better than the alternative and even though the system is "broke" and it would take a total teardown of the current system to make a NSL work it isn't going to happen because people are going to protect what they see as theirs... benefits fought for and hard won. (by having the luck to choose the right company at the right time) :banghead: