effect when it's supposed to. essentially they're changing the law. but there's some republicans who are saying you know what? let's go ahead and suspend the individual mandate where people have to either buy it or pay a fine for a year as well. >>gretchen: that makes sense. if you're going to allow businesses to get off on this, so to speak, then why not allow the average citizen? because quite honestly, it's probably more expensive for the average citizen to have to try to come up with the money for this than for a business to have to come up with the money. >>brian: just to review, on july 3 the deputy assistant secretary treasury the day before our nation's birthday announces on a blog post employer mandate is done. if everyone else was still barbecuing, they said i have an idea. let's have everyone self-report whether they qualify for the subsidies that allow you to go to an exchange. now that we're awake and sober and congress is back, they're saying you can't stop there, let's continue this push. meanwhile senator thune came forward and senator