Dearest Medical Flex Karma: I have come to realize, that my family's health is directly correlated with the amount of money I set aside for you. When I set aside a small amount, you make sure to slam my family with every medical ailment from mysterious illnesses to more mysterious illnesses . I can rest assured, that if I set aside a small amount of Med Flex money, we will be hit. We will be ill. We will need stitches and crutches and casts and medicine. On the flip side, oh *insert sarcasm here* lovely Med Flex Karma, if I set aside a large amount of money (certain that it will be used up based on the previous year's, obviously, too small amount) I can bet on health. No runny noses, no broken skin, no trip after trip after stinkin ' trip to the doctor for the same. dang. undiagnosable illness. Health. Which, don't get me wrong, is FABULOUS! Only, dear Med Flex "use it or lose it" rules...I'VE GOTTA USE UP MY MONEY WITHIN TWO MONTHS!!! Hello chiropractic...