Discuss American well as an early mover in the nascent field of telehealth. Why do you believe that there was a wide gap between adoption by health plans and utilization by end-users (By the Fall of 2013, American Well’s clients collectively had nearly 80 million members, most of whom could benefit from the online care powered by American Well’s solution. Yet, less than 1% of clients’ members with access having taken advantage of online care in the first nine months of 2013).