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It's difficult conversations about what
your employees

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can and can't use, can and can't have,

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and ultimately can and can't afford.

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[Reflective instrumental music]

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[Reflective instrumental music]

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[Reflective instrumental music]

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And while these pressures are real,

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the behind-the-scenes portion of things

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that you're making decisions about are
even more real.

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So consider the questions that you're
asking your broker.

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Consider the questions that your employees
may bring up.

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[Reflective instrumental music]

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As you watch this film, again, with an
open mind,

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understand that it's not too late to do
something about it this year.

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[Reflective instrumental music]

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This is The Renewal.

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[Reflective instrumental music]

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[Reflective instrumental music]