Exactly right and most of those layers are in the insurance side. There can only be so many layers in a hospital it becomes clear that someones not doing anyth

Exactly right and most of those layers are in the insurance side. There can only be so many layers in a hospital it becomes clear that someones not doing anything. But in an industry like insurance where nobody is ever expected to do anything productive at all well you can justify as many layers as your greed allows.