pays a huge penalty. and then, of course, guaranteed issue. and the essential benefits requirement. there are a lot of things that are covered in your policy that the insurer may not have talked about, like mental health benefits. in fact, if i were to get coverage -- i've got coverage now, but when the time comes around, i'm going to have to get coverage for me and my wife, despite our age, for pregnancy, for maternity. so you know, this law is all messed up, and i don't think it's going to be able to be solved very quickly. and it's not just simply the premiums that are causing people problems. you also are going to lose access to your doctors and networks. so, we're going to have, if mcclatchey is right in their analysis of the numbers, you know, 34 million to 52 million households are going to be looking now for a new doctor, a new provider. that will be almost as big of a problem for the administration as premiums. and remember, all this is going to play out during the next year. one other thing, between february and june, the insurers are going to have to set the