customer. that means young healthy people will have lower premiums and get back to the market so without undoing these price controls and allowing the market to function you can't price everybody as though they are sick, we see what happens. if you want to cover the sickest americans, allow prices to fluctuate so young healthy people are back in the insurance pools to subsidize the old and sick. laura: how do you help people understand how the waivers work and how to affect their families? a lot of people try to wrap their head around this, to know how it will affect their children, their spouses, how do you explain? >> all the waivers do is allow the industry to pool risk and price risk. understand no one can be charged up anymore unless they stop paying their premiums. no one can be charged a dime unless they stop paying their premiums and that is the same