Craig Clemente shares how the concept of stewardship is something he considers to be a personal charge as well as a core competency and value for his company. Particularly, he talks about the gravity of being a good steward of an employer's funds – and that this is a role shared by the broker/consultant.

Doug Hetherington has done what many of us have said was impossible. He has created a collaborative approach to providing group health benefits that brings together employers, employees, and health care providers.