you're covered. >> sure. but it's unfortunate -- first of all, i'm not fine because i think because of obamacare, premiums on everybody have gone up. no, if you -- regardless of what you pay, federal employees made a contribution to their health care plan as well. and i think that the -- all premiums have increased over the last -- whether you're in an employer-based system or not. one of the big issues with obamacare was in order to fix it, a problem that faced, you know, 15 to 20 million people, is that the entire system got shattered. and prices on everybody got ratcheted up. people who were on medicaid suddenly lost their ability. so the issue was in an attempt to solve a problem that affected a very specified and defined group of people, we affected the entire health care market. that -- so whether or not you get it from an employer or not. but your question, that's part of the issue. hold on, hold on. here's the issue. you're right. you're absolutely right. if you're a frl employee, a lot of cases in state, you get to open a book and look at what