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Well said. I agree the 28% was an opening salvo, but in my experience you can't really knock that much off it. You can posture ("hmm, maybe we'll try another broker") and tweak a few things here and there, but it's mostly done.

We got a big increase last time, too, though I can't remember what it was. I think it was near 20%, but just under. We have an aging employee base, and if the author of the WSJ does, too, that might explain the difference.



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