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Is just kind of your theory on whether we should be helping the less fortunate of not, which is the idea of the Affordable Care act, provides care to people that cant have it or havent been able to have it and cant afford it. So, were looking a lot at high deduct i believe plans, as the next big project were working on. Because it is going to be, i think the big story of the next year. Host so Affordable Care act, has it caused employer plans to higher . That was a very inarticulate question. Host but i know what you mean. Theres a lot of blaming and scapegoating of the federal government in the law going on. Its difficult to prove but certainly this past year there were not so many costs that Companies Really could legitimately, regularly say sorry folks, your plan is going to cost you more because of the Affordable Care act. That was very convenient in a lot of cases. However they are going to have these cadillac plans, the really good plans that provide so much and so little out of

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