it is not coincidental that we have double digit premium increases every year, that the deductibles for obamacare exchange plans are three times as high as people in the large group insurance markets that they get from their jobs. clearly this law isn t working, it is collapsing. and yes, this is what we call a death spiral. you re not getting the kind of pooling that needs to be allowed with choice and competition to get rates down. we had to step in and replace this law before it s too late, before people lose their insurance. [ inaudible question ] the words, you re talking about. right. [ inaudible question ] reporter: the allegation that you re intentionally can you respond to that? there s a misinterpretation of what we re trying to say. our job is to repair the american health care system and rescue it from the collapse that