business decision of looking forward. some of the provisions where we felt like disrupted our original business model and unique benefit design, we were concerned that they may or may not be allowed under the value of law provisions kicking in later. it was a tough decision, going into it as a start-up company with the of a lower innovative product and we were not sure how we could cope. it was a business decision. critecs will say in house problems need to be take know with a grain of salt. you guys had trouble with your resources before obama care came along, is that not accurate or are they wrong? i would say they are wrong from the standpoint. start up in any business or