On Neil Young's 1996 live concert recording, "Year of The Horse," a heckler yelled: "They all sound the same!" Neil's response was classic: "It's all one song!"
Thankfully, there are no hecklers for the authors of monthly columns about employee benefits, but if there were, someone might yell to me: "You write the same thing every month!" To which I might reply: "It's all one column!"
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