So when my wife was have an emergency with our first she had to be rushed to the hospital (non network). My insurance would not cover and that one visit was almost 200k.
Dont get me started on the cost from the actual birth. Since it too happened out of network.
Ease of use for my users across multiple platforms with minimal tech knowledge on their end. I'm sharing my library with ranges from 12yo to 70. I need it to "just work" and it does that perfectly.