Oh Yes - It is always Anecdotal, I can only speak about what I have seen, unless there is more research out there that is acceptable to the omnipotent Icon66. I am sure there is, but debating with you is not on my list of priorities, Christian Health Care Ministries, for one, will flourish, because there will be less waste, less fraud, less frivolous claims, such as "Gender Reassignment Surgery" etc. etc. etc...Don't believe it, fine, I really don't care.