that s what s different. that s the first part. the second part is, in 2010, we told issuers to try to give some transition time if they wanted to keep policies as they were currently defined, whether they were in a group market or an individual market, they could. and so some of them elected to do that. now some of them are moving to the new standards. and the standards under the fortable care act are pretty simple. you have to have the 80% mlr so you can t be taking money more than the 20% marketing advertising profit. you had to meet the health benefits. you had to define deductibles in clear terms so people would know what they were buying. and you had to have choices. then there are folks in the individual market who when they go on the site may qualify for tax credits. but this is not this problem existed long before the affordable care act.