Gerri welcome to the willis port. Your show, your money, your voice. Tonight another del i obamacare. This one is intentional. This time open enrollment deadline is being extended by a month so th it can get past the election. People cant cancel the election time. Wi us now, steve more from the law street Journal Editorial Board and dr. Scott gottliebs, former policy for centers for medica and medicaid services. Welcome to you both. I will start with you. Let me read you what the Obamacare Administration is saying about what is essentially a 30 day delay. They say it is to give insurers the benefit of more timeo evaluate there experiences during the 2014 plan year and allow them to take into account those who may enroll late including young adults fore setting 2015 rates. That is probably right because the insurers are goin to have a hard time submitting bids. There were not going to have a lot to go on. The administration is worried. This hurts consumers. There will have to wait. Gerr