voluntary with regard to the insurance companies. but the key difference and the key reason why democrats were scrambling to come up with a plan of their own and frankly the reason why the president did what he did yesterday was because what this plan would also do is say that any health policy, whether it is people who had them before or in the future, that doesn't comply with the basic benefit minimum standards of the new obama care law, that would be okay, too. so that's the reason why as you said democrats argue that this would completely undermine the whole obama care system, the whole paradigm, because the premise is that people have to move out of the old plans, many of them who are flimsy, and don't have a lot of coverage, and that gets a lot of new people particularly young healthy people into the system. >> okay, i know it's so very complicated, but the basic premise is republicans are trying to keep people from applying for obama care and the less people who apply for obama care that means the less money there will be for obama care to