that's the way i look at it. these vouchers -- they don't cover the whole cost of a health care plan, do they? and if they did, where would be the savings here? >> 65 and older -- anybody 55 and older will not be affected by any changes whatsoever. >> until they're 65. >> until they're 6of medicare i. you keep it with no changes whatsoever. >> 54 then. >> grandfathering in the grandparents. >> those who are 54 and under have to face the fact that the system will be broke by the time that they are eligible for it and so we have to do something to reform it. and what paul ryan has suggested, what we have adopted is the approach that allows people to have consumer decision making to allow them to be able to, with the amount of subsidy that they get from the federal government, make their own choices. just like part d in medicare right now in which individuals who are over 65 are allowed to