this is just the begin. this is because of political fighting over the affordable care act as health care exchange enrollment started causing more anxiety and confusion for small businesses that want to participate. how are owners dealing with all of this and what do they need to know about navigating the health exchanges? katie sleet stra is with the national association for the self-employed and david ickert is director of finance with is an employee owned business. great to see you guys. there's a lot for us here. katie, i want to start with you. how are your members feeling right now with what's going on in washington and what's going on with health care, the aca, how are they feeling? >> i think as it relates to the government shutdown, our members are just exacerbated.