First thing I thought about, when reading Steven's comment, was how our health care system seems to suffer a similar fate. I'm going to soon be faced with some flexibility I haven't had to date. I either get to choose the insurance my consulting company will offer, or go and shop for my own. I've found it virtually impossible to compare plans with all the variability they contain. The closest thing to "unionizing" in this case would be, I suppose, the health care pools on the horizon or taking the corporate plan on faith that they're offering something competitive. I'm not sure I like either option.