i've always felt the site isn't the problem. it's a site that once you do get through, you find out that there are limited choices, it's one size kind of fits all, not across the board. but for enough that they shrug and say, well, i'm not doing it. and that's the problem, right? young people like yourself are like me because i h worries need you to pay for me. >> right. you need the young and the healthy to subsidize the sick and the old. that's the only way -- >> don't call may sick and old. i'm saying -- >> i didn't call you, neil. >> i need guys like you to make this work. that's what the president is saying. and guys like you, the young -- in general, the crucial dollar paying denominator in this, aren't buying into this. we've got some problems. >> right. the premium, going to call the death spiral. the premiums will have to continue to go up to subsidize or to cover those young people who didn't sign up. and what we're also finding, neil, is the administration says now they're saying, yes, some