>> let me -- >> go ahead, zeke. >> let me say one other thing. my research assistant, 25 years old, has written a lot of articles with me. he just experienced the health care. he had appendicitis, tens and thousands of dollars, you can be sure. it really is crazy to go without insurance. >> and i think we underestimate in a way young people thinking that they are invincible and that they are not going to need health insurance. they can see how broken this system has been for their parents and grandparents and they are much more aware of the fact that we feed to have health insurance more than we're giving them credit for and ultimately i think they do understand that health insurance is an important benefit for them to be covered.