Hawaii's coverage of in-vitro has been a lightning rod for small business owners who deride the state's law requiring companies to provide health insurance. In-vitro is an expensive technique used by infertile couples to have a baby. Small business leaders in Hawaii single out that benefit as an example of the excesses and rigidity of Hawaii's plan. "It's a shrine to the effective lobbying of the single in-vitro laboratory in the state of Hawaii," says Sam Slom, head of Small Business Hawaii, an association with 3,000 members. Slom objects to a standard benefit package, he says, because it prevents businesses from tailoring benefits to the needs of a particular work force. "For example, a young, single person is not too interested either in in-vitro fertilization or in well-baby care but they might want some other kind of option. We can't do that; we can't pick and choose."