street journal. good morning to both of you. matt, first to you here in new york, why is this happening? the whole obamacare plan was to lower costs as you just mentioned. reason this will go up everyone will vilify the health insurance companies. health costs are going up so the insurance companies are forced to pass them on to you and i as individuals. the reason costs are going up, suddenly the system is being flooded by new people obamacare wants to get in there. aim maybe a person healthy doesn t pay that much or two to the doctor often is now paying much more because the health care system is flooded with so many people. bill: stephen moore, has this failed already? it certainly is off to a poor start, isn t it? i am wondering whether a lot of americans are seeing that they got a false bill of goods. during obamacare, the whole discussion how it would lower costs. remember the president saying it would save the average american family several thousand dollars a