cost increases have slowed down, rising at a lower rate than the decades before. in this individual market, old individual market the typical increase was 16% year in, year out. often that came with additional medical underwriting. it gives you a sense of how the cost were. we understand medicare medicare costs are down. the decayed cost had a decrease per capital last year, not an increase per capita and health care costs are down. these rates in the new marketplace have come in about 16% lower on average than was projected. not by us, but by the congressional budget office and we know in many of these markets they are much more competitive. i believe in market competitiveness. the states where the most states are participating have the lowest rates. new companies have come in