becomes a big problem after january 1st, i think it will overshadow everything we've already seen. >> steve. >> this is always the problem. if you go back to the mid-october time frame, insurance companies were actually manually inputting the stuff that couldn't go through these 834 forms, so you had them actually putting additional people on to take the data, take it out and put it in their own formats, when all of this is supposed to happen electronically. so that's a huge problem. what the administration has basically done is repaint the front of a teardown. that's not going to do anything. the plumbing doesn't work. the back end is falling down. it might add to the curb appeal, but it's not going to ultimately sell the house and nobody is going to want to live there. that's the fundamental problem. in addition to the 834 problems, we are going to hear much, much more about other people that haven't yet been focused on losing their coverage or being asked to pay much higher premiums. and i'm talking about people who have supplemental medicare