Host: What kind of expenses can I use a savings account for? Bob Hurley: The number of services and our products that are eligible to have the HSAs used for is very broad. In fact, there is a long list that is published by the Department of Treasury on allowed expenses and it's very broad. Most of your routine care, you can pay for any healthcare related expenses, you can pay for. I think where the use of the account gets a little bit limited is more in the area of voluntary services related to cosmetic surgery and so on. There is a lot more limitations in that regard. But generally speaking, if you have a healthcare related expense you can use your Health Savings Account.What's powerful about these accounts is you can use this account for all of your family members. So, if you have a spouse and children and they incur healthcare expenses you can pull money out of your Health Savings Account and use it for them. I have to tell you, you can also use it for if you have a dependent parent or a parent that had some kind of healthcare related expenses and you choose to use your account to help cover some of the expenses that they may have incurred, you can do that as well.So these accounts are extremely flexible, have a very broad array of services and products that they can be used for. In fact, you can even use it for over the counter medications that you buy at the drug store. So again, it's very general, very broad and I think if you have any questions about what you can use it for, again pick up the phone, you can either call your Health Insurance Company. They typically will now, so call the number on the back of your card. Certainly, you can call us and share whatever the condition is or whatever you are hoping to spend your money on we can typically answer those questions and then also the bank who has your Health Savings Account typically, is going to have somebody that's trained in Health Savings Accounts, very well-versed in what's covered and what you can you use it for and you can pick up the phone and talk to them as well.There are usually, lots of resources available to get those kinds of questions answered.