CVS Caremark Chairman and CEO Tom Ryan, who will retire in May, said in an analyst meeting that challenges and changes in the health care industry represent opportunities for the company. "We have to find a way to deal with this more cost-effectively and more efficiently as a country," he said of rising health care costs and increases in chronic illnesses. "We think this is going to improve our mail-choice business; we think this will improve our MinuteClinic business; we think this is going to drive pharmacy business growth over the next 10 years."

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