are pen alties at the back end. at the end of the day, you have to show by the end of march that you have proof of insurance. and i think in the end these numbers, it s for the surprising that the numbers are 100,000 at this point. people have been told the website s not working properly. three times as many sign ups in the state exchanges as in the federal exchange. but once the website starts to function as we intend to function, i agree with robert, i think a lot of this starts to go away. i hope so. mike todoyle, thank you so much. great to have you on the show. stay with us. up next, we ll be joined by a lot of different guest hosts. liz cheney is out with the first television ad in her run for u.s. senate. the major issue she s taking on, we ll talk about that straight ahead on morning joe . [ taps baton ]