1.   Al Gore is taking on the big drug companies to pass a real prescription drug benefit that covers all seniors.

2.   Insurers already realize that covering sicker seniors is just part of the business, said Steve Barclay, executive director of the Arizona Association of Managed Care Plans.

3.   On the campaign trail, President Bush vowed to cover all seniors with a Medicare prescription drug benefit, but he has started out cautiously.

4.   Poor seniors would get even more help, and impoverished seniors would be covered for free.

5.   Shares of the Hartford-based company were pummeled because the company reported its medical costs, especially in covering seniors, were higher than anticipated, analysts said.