already factored in probable outcome of legislation, nothing more than that. it was step graphed for some time. you re worried, right? we re a health service company so what we do for employers are health improvement and productivity improvement will still thrive even in this marketplace and it might grow because employers will seek ways to reduce costs. are rate hikes inevitable? near term the laws did not to reduce the cost. aspects of it increased it, it expand access but did nothing to reduce costs and will drive costs higher for insured lives the next three to five years. could we have a well point you remember that, where out of