to a broker and go through more traditional experience of getting health care if i want to provide it for my employees. what questions should i ask myself? >> from a small business perspective, small businesses are unique and resourceful. gathering as much information as they can at first, then make the evaluation for their particular circumstances is the best way to proceed. >> katie and david, thank you for starting to help us parse this out and understand how it works. appreciate you coming on the show. when we come back, we answer your small business questions, including when the time is right to hire a cfo. and, we'll tell you what you need to know about effective text message marketing. has it's ups and downs.