wellness programs. no benefit of that at all. they will cover that s not really true. insurance companies will be required to have healthy care benefits. yes. can i go ahead, make your point. this is my life, right? so the large companies and high end small businesses are not going to dump their people into the exchange. low end businesses who struggle to pay for health insurance are going to want to do that. so what you re going to see is a leveling of the playing field in small business kplunt between those who can afford it and can t. but those with highly paid and small businesses or large businesses, fortune 500 are not going to do this because they view health care benefits as an attraction to attract the employees. so i think the system is in the private sector. the benefit of that is that you re going to see the flexibility and the ingenuity of the private sector sculpt this thing. final question and our last minute or so. are we headed to as some