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The most pertinent thing that amplified the challenge here is that our workforce got significantly more diverse *while* we were trying to improve these systems. What had primarily been a fairly homogenous old-school tech company over the prior 15 years was quickly a lot more inclusive, but that exposed all the weak points around key benefits like health care even more acutely. The most vulnerable bore the worst brunt. Small companies in particular have atrociously poor choices and little power.