Guam - Lieutenant Governor Ray Tenorio continues to review Bill 513. The measure purports to be the solution for the Government of Guam's Fiscal Year 2013 health insurance contract by offering multiple carriers. While Adelup has yet to make a decision on the measure, an independent actuary believes the bill will drive up costs for government employees and retirees. Governor's communications director Troy Torres says the hay consultants were asked to conduct an independent review of the bill. Torres says the report, which was not made public because it contains personal information, notes that the projections contained in Bill 513 are completely unrealistic and that costs would actually go up for employees and retirees.