I spent a few hours doing necessary personal stuff that I was also very happy to do. So, I am going to slack off and not answer the question "What is actuarial value and why is it important?" tonight. Instead, I am going to try to straighten out my incredibly screwed up sleep schedule and go to bed early. If any of you would like to take a stab at answering that question in comments, have at it!
And I will post the AV magnum opus tomorrow AM. Hopefully when I get more in my stride on this PPACA stuff, this won't happen again.