william, when you were here before, you talked about the challenges you face. you have a smaller company, handful of employees. how does the current policies of the government, whether it is obama care or tax policies, how does that keep you from growing? >> well, you hit the nail on the head, governor. you said this the affordable care act was supposed to, quote, bend the cost curve down. my health insurance agent came into my office about a week ago, said in 2014 when obama care is instituted you should expect your rates to go up 40 to 50%. 40 to 50%, after we have seen successive increases year after year of 10 to 15%. the fact is the affordable care act is nothing of the sort, it is totally unaffordable. furthermore, what's going to happen in small businesses like mine across the country is the rates are going to become totally unaffordable. at that point, employers will no longer offer health benefits. when that happens, employees will be effectively thrown to the curb. they'll join into the obama care