Een tiende van het percentage. (10) letters
2025.01.25 04:30 riddleman01 Een tiende van het percentage. (10) letters
Antwoord: https://www.puzzelwoordenboeknu.com/een-tiende-van-het-percentage-10-letters/
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2025.01.25 04:30 RabbidsCart23 Daily update on the Roman Empire #1815
It’s gone.
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2025.01.25 04:30 Mister3Putts $300 Annual Travel Credit
I googled and still wasn’t clear in a couple of things.
Is the $300 available right away to new cardholders or after the first year?
And how do you use it? Do you manually apply to certain charges or it automatically credited to travel transactions above $300?
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2025.01.25 04:30 ShadowRainforest1 When you post a bunch of memes in the Reddit thinking Minnie was gonna watch them but she just leaves instead.
 | submitted by ShadowRainforest1 to Minnieportable [link] [comments] |
2025.01.25 04:30 yeri4440 2 degree cold start
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2025.01.25 04:30 nevermindthegoat What is their best album
I'm a new fan I've only listened to Lola vs the Powerman what are other good albums to start with?
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2025.01.25 04:30 Temporary-Falcon-388 Introduce Yourself to the Community! 👋✨
Welcome to pakistan_social! We’re thrilled to have you here. Let’s get to know each other! Share a little about yourself:
• Where are you from (or where are you representing)? 🌍 • What interests you most? (Culture, food, history, travel, etc.) 🍴📚 • What’s something fun or unique about you? submitted by Temporary-Falcon-388 to Pakistan_Social [link] [comments]
2025.01.25 04:30 Anxious_Screen_1198 Guys can we quit it with all the ship discussions 🥲
Idk I'm kinda over it. Everytime I'm open the sub reddit it's just "Who's the best ship" There is no best ship. Asou intentionally left it ambiguous on who Saiki would choose/or if he even would. Another thing is the same question gets asked like every other 3 days. Maybe I'm alone on this, but I feel like it's getting repetitive.
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2025.01.25 04:30 KyrieNguyen Apotek shout out
 | Stumbled upon this speakeasy bar, Apotek, in Aruba and it truly was one of the highlights of the trip. Great drinks, friendly staff, cool atmosphere. Highly recommended. 🤗 submitted by KyrieNguyen to Aruba [link] [comments] |
2025.01.25 04:30 nestlecrunch20 Is it better to use lysol wipes or lysol spray to disinfect?
Is it better to use lysol wipes or lysol spray to disinfect?
submitted by nestlecrunch20 to NoStupidQuestions [link] [comments]
2025.01.25 04:30 Confident-Safety5458 HELP
So i just got my mahito and i have some questions about him . Like 1. does the max hp damage that he deals increase when we lvl up the ult or does it stay same? 2. Does using damage increase on his ult cause for the max hp based damage to also increase ? 3. What recollection best works for him i saw some jp guy use the sr break increase recollection on him and break bosses in one ult but when i use it that doesn't happen so i am using the formidable foe recollection.
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2025.01.25 04:30 riskhaitoishqhaiwala Anyone selling cult elite pack in Bengaluru?
As title says, looking for cult elite pack for discounted price in Bangalore?.
submitted by riskhaitoishqhaiwala to Fitness_India [link] [comments]
2025.01.25 04:30 CustomWritingsCoLTD Macro Econ test (Pay me to take your exam)
I'm doing macro econ exams & tests (finals) for guys so ping me on DM, Discord or @ [email protected] (Vouches in the discord link as well)
I'm based out of the bay area, CA if you're curious..
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2025.01.25 04:30 NationalAnything1547 Sexy Model Dancing in Ad For Model Express 02
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2025.01.25 04:30 burritotoad Personal Gripe with Spidey's Villains
Too many of them are green or wear green. However, as someone who understands color theory, I get it. It's the complementary color to red. Because that's what Spider-Man is wearing. But thematically I don't think so many of them need to be wearing green.
Green Goblin? Fine, that can stay. Besides, the Hobgoblin is a fine color variant. (I know it's a different character, put down your pitchforks)
Dr. Octopus? I don't hate the iconic look, but it doesn't necessarily need to be green. I may be biased to Alfred Molina's Doc Ock. Though Into the Spider-verse's design was really nice and different.
Vulture? No, not really. I mean, if anything, I did like how they used the color in Homecoming's Vulture, but Spectacular Spider-Man's different color choices were a step in the right direction to me.
Electro? I wouldn't say so. Mainly because green isn't the color I associate with electricity. Though, this may be just my distaste for the original design anyway. Again with Spectacular and MCU's approach to Electro wearing green is much better to me. Especially giving Jamie Foxx's Electro the caution suit/vest thing, I think that was smart. Personally I like the modern, I think it's the Ultimate universe design where he becomes pure energy.
Sandman? No, he does not need to have green. It's iconic, but green is not an essential color for that villain.
Scorpion? I wouldn't say so.
The Lizard? I mean that makes sense. I don't mind it because it's a literal lizard. Not every lizard is green, but this one is fine.
These are the main ones I can think of, and I'm sure there are more, but this is just my personal take on the designs
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2025.01.25 04:30 Moocao123 Elevance Q4 2024 earnings analysis: Earnings call 01/23/24 without finalized 10K (pending final 10K release)
 | Greetings Healthcare company investors I am here to review the ELV earnings call on 01/23/24 and take a look specifically at the MA Insurance segment section of the report itself. On this earnings call ELV proved that after UNH earnings, other insurers will face the same (if not more challenging) environment as well. Although ELV stock price did not drop dramatically, if you look close enough at their earnings report what is inside will shock you. That being said, you really have to dig deep enough to notice this, because even though the SEC requires all the companies to publish their 10K/10Q, if you don't do the correct math you won't find the important stuff. \** This is not financial advice, nor is there any financial advice within. Shout-out to the AMC/GME apes for having me to write this **\** \** Please do not utilize this content without author authorization **\** IF YOU DON'T LIKE OUR CONTENT, YOU HAVE THE FREEDOM TO NOT READ IT, BUT LIKE AND SUBSCRIBE AND RING THE BELL ANYWAYS, BECAUSE THE INTERWEB SAIS SO, AND WE REALLY LIKE YOUR LIKES (AND DOWNVOTES). Sources: I am going to do something new: I will use Reddit's embed link feature. Instead of copying the URL, I will type my paragraph and use the embed link to link the reference. *** Chatgpt4 or any AI platform was not utilized to write the content of this post, and I am the sole author to this post. I personally do not think AI can write anything noteworthy of our subreddit caliber, and neither Rainy nor I have used chatgpt4 or any AI for our content *** I am going to respond in italics. Earnings Health insurers play a vital role in keeping healthcare affordable by ensuring our members have access to high-quality care at reasonable costs and designing benefit structures that encourage preventative care and early intervention. Through the value-based partnerships we have with care providers, we reduce inefficiencies, drive better health outcomes, and lower overall costs for members. In our Medicare Advantage portfolio for 2025, 90% of our plans have no monthly premium, and nearly all plans offer $0 copays for primary care visits and access to supplemental benefits. Well duh, why else would people choose Medicare Advantage over Medicare part B + supplements? Let's be honest it is because MA is zero monthly premium and $0 copay for PCP that people even sign up. It is also the reason why everyone and their moms are asking Uncle Sam for donations coming into 2026. More on that in a little bit. In cases where we have aligned data sharing with the health system, we have nearly eliminated claims denied due to incorrect or incomplete information, significantly easing the administrative burden for these systems. We are making good progress in expanding the solution to more partners. When health plans and care providers have access to the same information, we make the same decision. Yea, just like when Anthem decided to go ahead with their Anesthesiology nonsense right? Care providers make the same decision as cutting off anesthesia during procedures? That kind of alignment? With this unified voice, we can more effectively advocate for holistic solutions that address the physical, behavioral, and social drivers of health. We are on a promising path and will work tirelessly in the coming years to achieve our bold purpose to improve the health of humanity. Such as launching Evicore's (Evilcore anyone?) competition - Carelon Today, we reported fourth quarter GAAP diluted earnings per share of $1.81 and adjusted diluted earnings per share of $3.84, consistent with the expectations we shared back in October. Ah, the meat of the matter. Let's see what Tradingview say: Earnings Reported: 3.84 Estimate 4.013 Surprise: -0.173 (-4.32%) Revenue Reported: 44.99B Estimate: 44.95B Surprise: 36.46M (+0.08%) Womp Womp... Fourth quarter Medicaid cost trend remained elevated at levels aligned to the outlook we provided last quarter. We are grateful for the continuous and constructive collaboration of our state partners. While rates today remain insufficient to cover the elevated level of cost trend we are experiencing, we remain confident that rates will ultimately reflect the underlying acuity of our Medicaid membership over time. Queue Trump Medicaid second re-determination \* Empire Strikes Back Theme *** During annual open enrollment, this year, seniors valued the stability in our benefit offerings, evidenced by improved retention. We anticipate Medicare Advantage membership growth in the range of 7% to 9%, consistent with our prior expectations and inclusive of new wins in group MA. We remain confident in our ability to balance growth and margin performance in 2025. Is this why CLOV and ALHC are spiking like crazy? Everyone and their moms are running away from MA, but these 2 doofus seems to have the magic formula? I am only betting on one though, and its the one that has AI. In case anyone is saying 7-9% growth isn't running away - you must be dense. That is literally just enough to address attrition - although ELV did say their retention is really good, they still have to address the D word. We delivered innovative, affordable products that resonated with consumers. And as we enter 2025, we anticipate another year of strong growth in this market. Our individual exchange business experienced strong growth of more than 30% in 2024. We delivered innovative, affordable products that resonated with consumers. Queue Trump cutting Affordable Care Act subsidies - \* Empire Strikes Back Theme *** Skipping Carelon/Carebridge We are providing guidance for adjusted diluted earnings per share to be in the range of $34.15 to $34.85. We will navigate 2025 with the same focus and discipline that has been central to the long-term success of Elevance Health. Oh that is generous. Lets revisit their 2023 projection for 2024 and the final 2024 results:
The actions we are taking now will enhance the long-term earnings power of our enterprise and underscore our confidence in returning to at least 12% adjusted EPS growth annually on average over time. I live in the White House, and I can see Russia from my backyard. 12% adj EPS average? Did you see your growth from 2023 to 2024 (+1.8%/-0.3%)? Are you going to somehow automagically have a 20% adj EPS on a specific year? There is still CMS V28 66%/100% + Trump Medicaid re-determination coming along, plus ACA subsidy cuts. Can I have that something you are having? We concluded the year with 45.7 million members, a decrease of 1.1 million year over year but roughly flat sequentially. This annual decline was driven by membership reduction, stemming from Medicaid redeterminations and changes in our geographic footprint, partially offset by continued growth in our employer group fee-based offerings and our ACA health plan products. We generated $175.2 billion in total operating revenue for 2024, up approximately 3% from the prior year. Our consolidated benefit expense ratio for the fourth quarter was 92.4%, bringing our full-year ratio to 88.5%, in line with our guidance. Holy shit 92.4% on BER in 24Q4 - who was laughing at CLOV in 2021? Was it Hedge Eye? Or Hindenberg? Or was it Ari? I can't remember anymore. Anyone going to dogpile on this? Full year BER of 88.5%! Following an annual enrollment period in line with our expectations, we anticipate ending 2025 with Medicare Advantage membership of 2.2 million to 2.25 million, reflecting planned growth in group MA and high single-digit expansion in individual MA. In terms of top-line performance, we anticipate operating revenue to grow in the high single to low double-digit percent range, bolstered by acquisitions like CareBridge. We expect our consolidated medical loss ratio to be around 89.1%, plus or minus 50 basis points, roughly a 60-basis-point increase at the midpoint. Welp, MLR of 89.1%. Queue the Ghey Bears. For 2025, we anticipate a more normalized operating cash flow of roughly $8 billion or 1.1 times GAAP net income. We plan to allocate approximately $2.3 billion toward share repurchases with a bias toward the first half of the year. Regarding earnings seasonality, we expect to earn just over 60% of our adjusted EPS in the first half of 2025 with slightly more than half of that first-half figure coming in the first quarter. I'm also pleased to announce that our board of directors has approved a 5% increase in our quarterly dividend to $1.71 per share, our 14th consecutive annual increase. Ok this part is really important for the Ghey Bears - you see, ELV knows we are here staring with oogley eyes. They are prepared. They are going to dump $2.3B for share repurchases AND will increase dividends. This is the equivalent of spending warchest to fight the stock dump. I am reminded of Boeing, but at least ELV hasn't made a plane fall out of the sky. So another interesting fact is that they ALSO spent that much money this year for share repurchases. They also floated $6B of debt on top. More on that with the Earnings Excel snapshot, but you can always stare at their earnings release and see if I am right! Q&A - MA focused only A.J. Rice -- UBS -- Analyst there certainly has been a lot of discussion in the financial community about your Medicare Advantage business enrollment. Looks like you're targeting sort of mid-7% to 8% or so for the year. Is that fully reflective of which you've got the full view of open enrollment at this point? So you think from here, it's just agents largely? And what are you seeing as you drill down in that demographic of the types of members you've attracted in the open enrollment? And then just also, I think the comment on the third quarter was that the Medicare Advantage margin in '25 might step up modestly but still be below your long-term targets for Medicare Advantage. Is that still your thinking? Response: Blah Blah Blah... So with AEP results in hand right now, we are confident around our 2025 Medicare Advantage guidance of 7% to 9%, which, from a member growth perspective, it's right in line with our expectations that we provided last year. We are obviously going to continue to be very vigilant around how we manage growth throughout the rest of the year. As you said, there will be predominantly agents and some individuals that come in as a result of dual eligibility, but we are confident in the actions and strategies that we have to maintain growth within the guide that we provided. Thank you. And then, A.J., on your margin question, we are positioned well to achieve a margin stability in 2025 through many of the factors that Felicia mentioned, including disciplined cost management and a strong retention. The answer speaks for itself - this is why Rainy sits in meetings because I have no patience for stupid that is dressed in smart. Did you notice the response to the margin question? wtf is that? This is WS you are dealing with, if we Reddit retails can smell a can of horseshit from this far, what do you think they are doing? Obviously raising the price target! Lance Wilkes -- Analyst, Bernstein Could you talk a little bit about what you were seeing in terms of utilization? In particular, perhaps, you could talk to what you're seeing in trends by product like MA and commercial and how you're thinking about that in terms of your assumptions for '25. And if you can give any commentary on categories of medical cost trend as far as inpatient, outpatient, etc., that would be great. Response: Cost trend in the fourth quarter developed largely as we anticipated with stability, I would say, across our lines of business. Specifically, Medicaid, trends remained elevated. They were stable, particularly as we've called out in prior quarters in behavioral health and inpatient services, and we think it's primarily because of the ongoing impact of the membership mix changes following redeterminations has really stabilized at this point. In Medicare, cost trend similarly in the fourth quarter were elevated. They were manageable. We saw notable drivers here, including some of the post-acute care services. Again, very consistent with prior expectations and the way that we've priced our bids for 2025. On the commercial side, I would say performance remains strong, in line with the disciplined pricing approach that we've adopted to date. And so as we think about 2025, we do expect these elevated trends really to persist in the first half of the year, particularly in Medicaid. On the Medicare side, they're similarly expected to remain stable at the current levels. And so I would say our outlook for '25 really incorporates these dynamics. Blah Blah Blah - Utilization is high but we have it handled you proles... I mean sir... Andrew Mok -- Barclays -- Analyst I think there's still some confusion around your Medicare Advantage membership growth for 2025, so I was hoping you could clear some of this up and tell us what your actual AEP growth is and how much of that accounts for the full-year outlook. Thanks. Response: Our AEP growth is certainly very strong, and that reflects a lot of group membership growth that came in, a particular group account that, frankly, we're pleased with. That was a commercial account that we had a long-standing relationship with, so very familiar with a lot of the demographics and dynamics associated with that group. So -- and then in terms of our Medicare -- individual Medicare Advantage growth, it's right in line with the expectations that we provided. So in total, we are right in the range that we left you with, which is the 7% to 9% growth, which we expect overall this year. And we'll continue to have in place actions to manage appropriately growth throughout the rest of the year around our Medicare Advantage business. Just to be clear, because I don't want any confusion, that 7% to 9%, we essentially don't expect significant growth. We expect minimal growth for the rest of the year, which -- with strong retention. Andrew fucking hates your fruit punch, did you not notice the Root Beer color? Andrew knows attrition and he doesn't know how to upgrade your ass. Justin Lake -- Analyst Wolf Research A question on the healthcare benefits business. First, hoping you can talk to your expected seasonality for 2025, including how Q1 should look versus the full year. And then on the health benefits 2025 up margin guidance, looks like it's down year over year. You've talked to Medicaid being flat, Medicare being flat. Is that coming in commercial? And maybe you can talk about what's driving that and the magnitude of it on the commercial side. Thanks. Response: For seasonality, as you heard during our prepared remarks this morning, we do expect adjusted EPS to be weighted more toward the first half of the year with slightly more than 60% of full-year earnings occurring in that period. And then within the first half, we anticipate a little bit more than half of those earnings to then show up in the first quarter... That's our first-half, second-half story. And then, of course, we've also reflected the Inflation Reduction Act Medicare Part D changes and the benefit of the leap year in the first quarter. So a lot going on with seasonality, but let me point you to those early comments I made. On the operating margin expectations, we do expect a 25 to 50 basis points decline year over year, and there are a couple of discrete impacts outside of core operating performance but in line with our expectations that I would call out for you. The first is that we're going to be cycling the nonrecurring expense benefits that we had in 2024. Second, we're going to get a little bit of membership mix impacts through the slightly stronger relative growth in our Medicare lines of business compared to commercial, inclusive of the Medicare Part D design change. And then I would make the point sort of excluding those discrete impacts, the margins across the health benefits businesses would have been stable. Justin also hates Root Beer. Are you guys able to answer the goddamn question without gaslighting? Basically you are saying taking out the bad member mix and the nonrecurring expenses you will get to stable benefits, except that smells like a lot of dung because there is a lot of assumptions - especially on that member mix part. What if your new 7-9% also looks like crap in 2 years? Or your current members (which you retained) have a bad development because your preventative care sucks ass and CMS V28 66% is a very very bad doggie? Joanna Gajuk -- Analyst Bank of America Thanks so much for taking the question. So I was just looking at your slides and the slide that when you talk about the long-term CAGR targets, I noticed that you no longer seem to be targeting to get to your margin, 6.5%, 7% by 2027. So is that the way to read it? And also, I guess, if that's the case, when should we expect that to be achieved? And what would need to happen really for the margins to get to that target? Thank you. Response: Let me maybe start by emphasizing, we remain committed to the long-term financial targets that we introduced at our 2023 investor day. We've not changed our target ranges or our expectations for either revenue growth or operating margin, and our goal is to deliver at least 12% average annual adjusted EPS growth. In other words, nothing has changed about our conviction in the significant embedded earnings power of our businesses. What has evolved is that the faster than projected and I'd say very positive growth that we've delivered across our Carelon businesses versus what we shared when we set these -- those targets in 2023 has changed. And specifically, Carelon growth is exceeding those original expectations, and we're very pleased that the deliberate actions we've taken to enhance and deepen our risk-taking capabilities has led to an acceleration of this business. So putting it in numbers. With today's 2025 revenue guidance, we anticipate Carelon services to grow at over a 30% CAGR since 2022. Joanna ALSO hates Root beer. Basically ELV is saying their Carelon grew SO MUCH that the adj EPS guidance is lower forecast compared to previous years. I already said what I thought on their 12% average annual adj EPS target range, so no need to revisit bad languages. Erin Wright -- Analyst Morgan Stanley Great. Thanks. A follow-up on Medicare Advantage. I wanted to hear your thoughts on the advanced rate notice and where it can go from here in terms of incorporating a catch-up period in the final rate notice, and just bigger picture in light of that and the broader political environment seems to be more supportive of MA. Response: Rate stability really helps us to continue to be able to provide the benefits that deliver high-quality care that seniors value and depend on. Regarding the advanced notice, after two consecutive years of cuts to the MA program, we are very pleased to see the direction of the advanced MA rate notice that came out earlier this month. Now while the base rate reflects progress, I think, toward more adequate funding in the program, we still believe that it's insufficient in light of the cost trends that we've seen over the past year. So we look forward to working very collaboratively with the new administration in terms of our proposed recommendations on changes in the advanced notice, particularly with respect to some of the reforms in the Part D risk model and other policies, which we believe will improve the program long term. Uncle Sam, I need bigger tits! Papa Biden didn't give us Organic whole raw milk from California, he gave us pasteurized non organic milk and told us we are too fat. I want Papa Trump to give us everything we want so we can suck USA taxpayer dry. Fuck taxpayers - and patients. I hope this answers the question on why Rainy thinks the industry wants a higher rate - 4% is what they need to not die off and higher is what they want. Michael Ha -- Robert W. Baird and Company -- Analyst I wanted to revisit A.J.'s question and ask it in a bit different way. So regarding your '25 MA growth guide, healthy growth in line with expectations, averting the worst case high-growth scenarios that investors had. With that said, for the investors who may still push back and say, "OK, Elevance only achieved this healthy growth level through aggressive plan suppression tactics and that the company still mispriced the business." Curious to hear your response to that. Response: So I guess I would reframe, the answer to your question, is we had really good retention. And that in our individual Medicare Advantage book, I think, has positioned us quite well for sustainable long-term growth, so we feel all of this actually plays into our long-term strategy. We're being prudent around where Medicare is going, as Mark shared in sort of our guide around trend and want to make sure that we position that business the right way. The other growth that we saw, which is also, I think, a significant positive is in our group growth, and that's from a large client that we have significant experience with and have worked with. And I think that is an inherent part of our strategy in group MA is to convert those members over. And we did that this year and we're really pleased with. And we saw some stronger growth because of the strength of the brand that we have with that customer. And again, the strong service and delivery we've delivered to this customer for many, many years. So I guess my positioning is we feel quite good about where we said we were going to guide for growth. Michael raises his hand and says your Root Beer Koolaid SUCKS. Whit Mayo -- Analyst Leerink Partners I just wanted to get a quick update on the performance of your Puerto Rico MA business. How did that perform last year versus your targets? And what are you thinking about growth in margins this year and whether or not that's driving any contribution to the views on stabilization in overall MA margins? Thanks. Response: Whit, thank you so much for the question. As you know, as we headed into AEP of 2024, we made some strategic decisions with respect to our Puerto Rico business, making significant reductions in our supplemental benefits to make sure that, over time, we were balancing margin and membership. And I will say that the success of that was very solid. We demonstrated our ability to be able to get to a place we needed to on stabilizing that environment. It worked very well in '24, and we continue that same strategy as we headed into 2025. Oh, let me translate that for you from the Earnings report language. Fuck Puerto Rico. Earnings - 10K not available yet (because ELV and UNH likes to do ER without 10K) https://preview.redd.it/i1q1uyi1e2fe1.png?width=1832&format=png&auto=webp&s=9b907b4f4269c599efdc179af3e32795989a07a8 https://preview.redd.it/aasba0v5e2fe1.png?width=1779&format=png&auto=webp&s=36be2ee7969175d80b84e8dced5f9f86838beb3f For the sleuths: enjoy. You should be able to find lots of information. For the common people:
Thank you for taking the time to read through this long post, and I hope you Sincerely Moocao submitted by Moocao123 to Healthcare_Anon [link] [comments] |
2025.01.25 04:30 MariaSuarez578 Hot Model Jamie Grinn Sexy Dance In Sexy Outfit During Photo Shoot
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2025.01.25 04:30 -redacter- realistically speaking [By roboartnik]
![realistically speaking [By roboartnik]](https://preview.redd.it/jik3fymoh2fe1.jpeg?width=640&crop=smart&auto=webp&s=223c0c5a9891227e3da44812aef4b0d31d5f395a "realistically speaking [By roboartnik]") | submitted by -redacter- to SonicTheHedgehog [link] [comments] |
2025.01.25 04:30 Septimus_Heap777 Can Adam get a buff please?
 | submitted by Septimus_Heap777 to marvelrivals [link] [comments] |
2025.01.25 04:30 qwenmn WOMAN REFUSES TO GIVE MUM GRANDKIDS AS REVENGE FOR THE WAY SHE TREATED HER WHEN YOUNG My mother begged me to give her grandch...
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2025.01.25 04:30 TheyTweetedItWasOkay He went to Aspen to land the 2340.
With a fractured wrist. Baller.
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2025.01.25 04:30 Substantial-Key-4713 How to get certificate of criminal record in macau as a blue card holder?
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2025.01.25 04:30 Formal_Mail8526 Dafne Keen
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2025.01.25 04:30 EXIO_2099 Hey Guy I am an indie game developer looking for a community who loves my games!
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2025.01.25 04:30 eggsinatrashcan Should I get a couple more sagitaurs?
Just as a little context I pretty much have 3 (or more) of the entire range at this point aside from characters and vehicles. I already have 2 sagitaurs and 2 hekatons and I'm debating getting anymore, do yall think I should? What are the merits of having more than two.
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