The sum of their conversation: corporate responsibility is increasingly driven not by regulation, not by risk aversion or even risk management, but by the drive to find new competitive advantage.
Nothing will change as your recent article pointed out, until Americans, employees and family members decide one at a time, that they need to become accountable and take responsibility. health care costs are being driven quite simply by obesity, stress and depression and sedentary lifestyles.
Consumer-driven health care means (to me) that consumers have more financial responsibility and more ability to decide how their health care dollar is spent.
The point driven system of the FSG allows for a 2 point reduction, less prison time, for acceptance of responsibility when a person agrees to plead guilty or cooperate (not guaranteed but usually given).