The billing service that we provide to clients includes the consolidated bill for all coverages from multiple carriers, if appropriate, for the full range of employee benefit needs for your association members. The billing system is a highly flexible tool to maintain the base of information and operations important to the management of the association group insurance program. We currently do business with multiple insurance companies with whom we have the right to bill and collect premium providing each of the employers in the programs we administer a single source for administrative interface for the coverages in their benefit program premium remittance, etc.