Exhibit 10.23

Summary of Compensatory Arrangements with Executive Officers

The compensation committee of the board of directors approved a schedule of the following fiscal year 2007 base salaries for each of our named executive officers:

Name and Principal Position	2007 Base Salary
Michael F. Neidorff  Chairman and Chief Executive Officer	$	1,000,000
J. Per Brodin  Senior Vice President and Chief Financial Officer	$	350,000
Carol E. Goldman  Senior Vice President and Chief Administrative Officer	$	375,000
William N. Scheffel  Senior Vice President, Specialty Business Unit	$	510,000
Karey L. Witty  Senior Vice President, Health Plan Business Unit	$	500,000

The basis for awarding bonuses, if any, to the executive officers named above shall be determined in accordance with the provisions of their respective employment agreements.