financially is speculative type of conclusion dependent upon a lot of unknowns. what is known is for those companies that sponsor this kind of benefit they are required by the rules to reflect this. so it will be very, very difficult for companies to say well, we re going to think we re going to get down the road and therefore we should be booking some kind of new asset. frankly given the various cuts for example, 528 billion dollars of medicare cuts a lot of companies may be concerned that over time those kinds of cost are going to be shifted to employers. the fact that the mandate enforcement penalty is so low may encourage a number of young people to forforego coverage pay the penalty and if they get sick obtain the coverage from new insurance those are all big question marks at the moment this issue unfortunately is not a question mark. megyn: this call from congress from henry waxman has got ain lot of coverage. there s an interesting