limiting it to what they estimate will be the millions more will sign up under the exchanges, and i guess because of subsidies and special breaks, see their premium increases actually stabilize. do you pie that? >> i don't buy that. i think the insurance company executives know exactly what they're talking about and they're worried about the public pushback from these huge premium hikes aid. that's only part of the bad news. you're also going to see a million people or more just -- they paid their first premium but been they discover what it really means to have a three or five thousand dollar deductible on their plan, they to to their dorgen and again and have to pay pull -- pay full fraying. and then the 27 people who get -- 27 million people who get on the job coverage are going to lose it when employers realize they can't renew the old plans and they're stuck between the very costly obamacare plans or