>> i think, you know, this is a case where the insurers are aligned with the expansion of the exchanges because this is the new area of business, this is going to be a growth market. they would like to see people come in to this markets. they want to see a balance pool that has young people as well as sick people. it's in their interests and i think they're showing this by advertising and trying to get people to sign up. i think that will correspond with a push by the federal government and the president to get more people to sign up and to make them aware of their options, now that the website is working reasonably well, i notice that over the last couple of days, they improve the shop and compare that is the unanimous shopper where you can just see what's available in your state, so that you can see the actual premium you'll pay with the subsidy included. so these improvements are being made and i think they're getting ready for a big push for people to sign up over the -- they basically have about 3 1/2 more