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And it would appear that the 2023 DOL investigation discussed above shined a spotlight on areas where employers were making missteps

"We also run additional sensitivity scenarios such as a one-time steep decline in cigarette consumption to address potential shocks to the industry or significant regulatory changes." Over the long term, MMA's Fabian said, "the whole asset class has a payment sufficiency challenge." As cigarette smoking declines and is eclipsed by vaping, tobacco settlement revenues haven't kept up with projections

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Have you ever gone on a hike or a jog with a non-smoker

- House so many more "USED" GM parts than any of our competitors