their part because people are hesitant, they've seen this rollout not going well, and they're not responding all that great to it. this is a business side of things, we're insurance companies, and here's a new plan rather than tying it to the political aspect. so i think they're trying to create kind of two different veins between the business aspect and insurance policies and the politics side. jon: and we tend to forget that there is going to be a business, you know, under obamacare. i mean, these private insurance companies, the united health cares, the aetnas, the blue cross, blue shield, they are going to be, you know, handling patients and presumably making money. >> right. and they invested billions of dollars to restructure their insurance programs in order to implement the affordable care act. so really is -- sign-up is in their best benefit for a number of reasons. they've put a lot of money and effort into getting this up, but also in terms if the exchanges were to fail even though there are some safety nets with the risk corridors, at some point