federal level. we re literally talking about hundred of thousands of people who have signed up. because the computer systems at the states and federal levels, don t work properly, they have a gap between the time they signed up and time they bill: there is not a lot of coverage frankly given to this. you re making the case this is the tip of the iceberg. the tip of the iceberg of what, karl? let s goly a litany of some of the problems. there is a problem how people s subsidies are calculated. some people are eligible to get assistance from the government in paying their premiums. but the federal government has problems calculating the subsidies properly. it is not all computerized and get done electronically. there is huge, billion dollar contract to verify the information individually. and as a result, people are signing up, thinking they re getting a certain level of subsidy and yet at the end of the day, when the process end weeks later or months later, they may find out they ei