for premiums on policies in some states this year, standard and poor's said that's likely a one time pricing correction. so the law is not imploding or exploding but there are serious problems with obamacare, particularly in the individual market, and so the president is saying, look, it's going to collapse. that will bring democrats to the table. democrats already saying, look, if you drop this whole effort to repeal the bill, we will work with you to fix the things that are wrong with it. so the bottom line is it's going to come down to, will the white house, will the secretary of health and human services take steps to further undermine the law in order to make it collapse as predicted and bring democrats to the table or work with democrats? that's a huge question and the other question is how voters and how those impacted by any potential failure or future failure of the law who they'll hold accountable. fred? >> thank you so much. wie ta we'll talk more and vice