definitely good. and the white house has intentionally sabotaged the current marketplace. they have done absolutely nothing to tell insurance companies what the rules are. >> what do you mean by that? >> starting at the election and accelerating into the presidency, they refuse to tell insurance companies whether they'll be paid back for $7 billion worth of subsidies that help lower out of pocket costs to the lowerest income americans buying health insurance. so insurance companies don't know about the rules. they told the irs do not enforce the individual mandate. which helps encourage younger and healthier people to come into the market. >> so in a sense -- in a sense that kind of uncertainty has scared off you know, insurance companies? >> no question. not in a sense, every ceo of an insurance company who has left a