because the pushback from the white house will be no, no, no, this is all you, zeke. this is obama. whatever is wrong with the aca is on you. what's your counter? >> well, the president has been in office almost a full year. he has created a huge amount of havoc in the insurance markets. as i mentioned, getting rid of the mandate, not paying cost sharing subsidies, making decisions at the last minute. so it's hard for insurance companies to place products. not doing a lot of basic things that would have shored up the exchanges like having a risk corridor or reinsurance products for the companies in the insurance market. all of those actually undermine insurance companies's willingness to participate. there's a lot of comments that the federal government is not a