WE ARE SELF INSURED AND ARE PRESENTLY REVIEWING OUR OPTIONS REGARDING THIS ISSUE. THIS IS CERTAINLY NOT ALL THAT IT HAS BEEN CRACKED UP TO BE. HOWEVER, THERE STILL MAY BE SOME SAVINGS, WHICH WE WILL NOT KNOW UNTIL WE FINISH AN ANALYSIS IN COOPERATION WITH THE MASSACHUSETTS MUNICIPAL ASSOCIATION. IT SHOULD BE NOTED THAT WHILE MANY COMMUNITIES ESPRESSED DOUBLE DIGIT INCREASES, IN THE LAST TWO YEARS, OUR INCREASES WERE 0% FOR FY 07, AND 2% FOR FY08.
