‘We have utilized Agilent technology since Stemina began operations in 2007 and also have been very pleased with the instrumentation, support and collaboration we’ve experienced with Agilent.’ ‘Metabolomics is a significant growth area for us, and the innovative function being completed at Stemina is the kind we like to support,’ said Gustavo Salem, Agilent vice president and general supervisor, Biological Systems Division. ‘We’ve aggressively built an LC/MS portfolio for the life span sciences in recent years, and the Mass Profiler Professional software provides the crucial ability to visualize biological pathways from the substantial and complex data models generated by metabolomics studies.’..A.M. Best expects many smaller sized individual and small group carriers may consider exiting the marketplace due to the effect from enactment of PPACA, specifically the minimum loss ratio and guarantee issue requirements along with the implementation of the exchanges from 2014. Those that stay static in the market may have to switch their business program/strategies to be able to continue to operate profitably in the new environment. This may include revisiting their product portfolios and taking into consideration potential partnerships/alliances. The potential for more negative rating activities on smaller businesses is because of A.M. Best’s concern that a few of these companies may not be able to have the cost savings on administrative expenditures that they wish to achieve provided their lack of scale and also the execution of the minimum medical loss ratio requirement.