with rhetoric. and it is so divorced from reality that you wonder, well, i'm not going the play psychiatrist here. i'll just say that it is -- it's a problem. >> let's get some reaction from where it really hits home, the national federation of independent businesses, which issued a statement shortly after this decision was made today, quoting now, it probably matters little to people in washington that the failure to get the small business exchanges online adds yet another onerous paperwork requirement for the job creators. the continued delays add to uncertainty and contribute to decision of many owners to take early renewals of their small group plans. >> i think that's right. the problem here is that given all the negative publicity, all the negativity that's surrounding not only the website failure, but the problems with the cancellations and the inability of the administration to put forward people who have benefitted from the changes in the plan, because people have been unable to access the marketplace in the way they anticipated, now you get into a situation where there is so much anxiety and distrust of the overall structure.