things obama care will do is end job lock. i think that's something people will come to appreciate more and more as we get into 2014. people are locked into corporate jobs. they hate them in many cases but they're afraid to leave because they know they would leave their insurance if they do. many have preexisting conditions or wouldn't have any idea how they could afford or even get insurance. that will change when the exchanges go online, people can get coverage. cannot be denied. that will be a great thing. >> as you heard earlier, they're saying it's killing hours, with when there was a study that said part time work is in part what happened to the economy, nothing to do with obama care. >> nothing to do with obama care. employers want to have full-time employs because it makes sense for them to do that. that will not change. >> number two, for you, ryan,