Your wallet, not to mention the hit to the Health Care System overall. In a fox business exclusive the author of the report, Senior Vice President of moodys invest service. Thanks for joining us on set. Outline the risk for me. Basically weve seen the challenges with the Health Care Industry as numerous going into 2014. Obviously the Affordable Care act had a number of issues with the rollout which prevent ad number of people enrolling. We saw basically a older, less poply healthy population enroll. We saw changes to the regulation as the rollout unfolded. Basically these were changes that the Insurance Companies were not expecting which affected their financial and operation systems. Melissa in a negative way. You cite all the things the president said and came out and changed things afterwards. Correct. Melissa changing Regulatory Environment and changes of rules later is negative risk for the Insurance Companies is basically going to cost them money, what youre saying . Clearly. The