>> i would suggest, too, for some small employers, if they don't want the administrative burden, they tell the employees to just go out, get their individual policies -- >> and i'll pay you more. >> yeah. >> it is a big administrative burden as anyone who has done it knows. it is a pain. moving on to the next one from eric. he writes, i have a marketing e-mail that i think could go viral. should i buy e-mail addresses from a list company or just send it to my friends and ask them to pass it along? >> here's the deal. if you think it can go viral, give it to your friends and that will prove it's not viral. buying lists, very dangerous. these are people that don't want to hear from you, don't know who you are and you're pumping stuff to them. >> they give their names because they sign up for a contest. so they won't necessarily open up your e-mail. >> the format, too, an email message is an odd thing. when i think of things going viral i think of video or a link. i don't know, maybe he should think about changing the format.