BECAUSE WE LIKE THE RURAL ELECTRIC CO OPS ARE STARTED BY LOW INTEREST FEDERAL LOANS AND SO WE DON'T HAVE ANY MEMBERS YET WE'RE GOING TO HAVE A LOT OF MEMBERS ON JANUARY 1 BUT WE'VE BEEN BUILDING A HEALTH INSURANCE COMPANY FOR OVER A YEAR WE'RE REALLY EXCITED ABOUT BEING A CO OP BUT WITH NO