so you are beginning to have the machinery and the institutional support around the law begin to activate because all of a sudden getting somebody to the point where they might sign up is a good thing as opposed to a bad thing. we're in a place where the law is running far behind enrollment expectations, nobody know what is the risk pool is going to look like, and in truth nobody will really know until march. because all experiences we have had is that people won't sign up for the most part until they have a penalty looming over them and that's really at the end of march. so it will be hard to give a good progress report until we know what happens in that sort of final sprint of sign up. coming up, senator elizabeth warren has just introduced a bill that would prohibit employers from requiring prospective employees to tell their credit history when applying for a job. >> today highly qualified applicants with bad credit can