states. that still is the case. the affordable care act did not change that. it's still regulated at the state letter. i can tell you the number of neem would call our office over and over and over again saying, i have health insurance. i can't get the company to pay my claim. i have health insurance, and i was just told that the plan is bankrupt. so there are no claims to be paid. i have health insurance and it looks like, while they say they cover ambulance care, they have a limitation on $50 worth of ambulance care. i mean, over and over and over again what we could be able to say to those people is, first, i'm really sorry you are in a terrible situation. secondly, we do not have any regulatory authority over these plans. we can't check and see if they have enough money in the bank to pay their claims. we can't check and see what kinds of information you had at