<html><head><meta http-equiv="Content-Type" content="text/html charset=us-ascii"></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;" class=""><div class=""><br class=""></div><div class=""><div style="margin: 0px 0px 0px 18px; text-indent: -18px; font-size: 18.5px; font-family: Arial;" class=""><span style="text-decoration: underline" class=""><b class=""><i class="">FREQUENT FLYERS</i></b></span> - The top 1% of Americans ranked by their <b class="">dollar usage of health care</b> represent <b class="">22.8% of total health care expenditures</b> (source: Agency for Healthcare Research and Quality November 2016 study). </div></div></body></html>