EXHIBIT 6
                        Agreement Regarding Joint Filing
                                       and
                                Power of Attorney
         The undersigned, for good and valuable consideration, hereby agree that
they shall  jointly file an  acquisition  statement  under  Section 13(d) of the
Securities Exchange Act of 1934, as amended,  with respect to the acquisition by
the  undersigned  of shares of common  stock of  ▇▇▇▇▇▇▇▇.▇▇▇,  Inc., a Delaware
corporation, and that they shall cooperate with each other regarding the filing,
and when appropriate, amending of such acquisition statement.
         The undersigned  hereby appoint ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ and ▇▇▇▇▇ ▇. ▇▇▇▇▇▇,
and  each  of  them  (with  full  power  to  each  of  them  to act  alone),  as
attorneys-in-fact  and agents, in all capacities,  to execute,  on their behalf,
and to file with the appropriate issuers,  exchanges and regulatory authorities,
this Schedule 13D and any and all  amendments to this Schedule 13D and documents
relating thereto required to be filed under the Securities Exchange Act of 1934,
as  amended,  including  exhibits,   attachments  and  amendments  thereto.  The
undersigned  hereby grant to said  attorneys-in-fact  full authority to do every
act  necessary  to be done in order to  effectuate  the  same as  fully,  to all
intents and purposes,  as the undersigned could if personally  present,  thereby
ratifying all that said attorneys-in-fact and agents may lawfully do or cause to
be done by virtue hereof.  This power of attorney shall remain in full force and
effect until either revoked in writing by the undersigned.
         The  undersigned  hereby execute this Agreement  Regarding Joint Filing
and Power of Attorney as of this 21st day of October, 1999.
                              EXPRESS SCRIPTS, INC.
                              By:                 /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇
                                    ------------------------------------------
                              Name:    ▇▇▇▇▇▇▇ ▇. ▇▇▇▇
                              Title:   President and Chief Executive Officer
                              ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, INC.
                              By:      /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇
                              Name:    ▇▇▇▇▇▇▇ ▇. ▇▇▇▇
                              Title:   President and Chairman
                              NEW YORK LIFE INSURANCE COMPANY
                              By:   /s/ ▇▇▇▇▇▇ ▇▇▇▇▇▇
                              Name: ▇▇▇▇▇▇ ▇▇▇▇▇▇
                              Title: Executive Vice President and CFO
                              NYLIFE LLC
                              By:  /s/ Melbourne ▇▇▇▇▇
                              Name:  Melbourne ▇▇▇▇▇
                              Title: Senior Vice President-Legal
                              NYLIFE HEALTHCARE MANAGEMENT, INC.
                              By:  /s/ ▇▇▇▇▇▇ ▇▇▇▇▇▇
                              Name:  ▇▇▇▇▇▇ ▇▇▇▇▇▇
                              Title: Executive Vice President