And then the other third is around what you would just expect on discretionary side, T&E, advertising, recruiting costs. Those types of things are all kind of naturally lower during this period of time.

Apr 24, 2025 / CEO / receipt, needs a key / Jerry Grisco, CEO | earnings call 2025-04-24 | transcript 325a885b-159a-46a0-9dc3-e1a725cebfd6 | chars 32253-32455 | segment 32

In line with our comments during the second quarter call earlier this year, as we began to restore discretionary expenses such as marketing, travel, whereas other healthcare benefit costs began to normalize from abnormally low COVID influence levels from a year ago, we cautioned that expense headwinds would impact margin in the second half this year.

Oct 28, 2021 / CEO / receipt, needs a key / Jerry Grisco, CEO | earnings call 2021-10-28 | transcript 55ce0ece-0a0f-4967-ae44-0ef187adff1b | chars 9831-10183 | segment 10

Our financial results were bolstered by the prudent responses to expense management that we put in place at the onset of the pandemic and the proactive steps that we've taken throughout the last nine months to protect the company.

Oct 30, 2020 / CEO / receipt, needs a key / Jerry Grisco, CEO | earnings call 2020-10-30 | transcript ef9e48f9-0804-4faa-ac89-39da893af1a4 | chars 2868-3098 | segment 2

At the outset, we took proactive steps to safeguard our team members and our clients. including limiting access to our offices, suspending business travel, and shifting our teams to working remotely to minimize disruption to clients and to maintain continuity in our operations.

May 12, 2020 / CEO / receipt, needs a key / Jerry Grisco, CEO | earnings call 2020-05-12 | transcript dc18ceeb-737b-4b58-a119-05430607b274 | chars 10238-10516 | segment 10