sort of adverse selection issue there that could drive premiums up. overall health care costs have been rising and they'll continue to rise and this kind of whole mess around the rollout of obama care is just a reminder that these premiums could rise. i'm sure at the white house they will be discussing this with insurers if you reinstate the policies, will they come at the old price tag or new price tag. some of the insurance regulators are saying no we can't do this anyway. you heard california we can't do this. not everyone will get their old policy back. to further complicate things, some people who had their policies canceled have already found insurance. 5 million people it pertains to but it's complicated. >> we're talking about a small percentage of the american population, talking about those people without insurance or had a substandard plan or maybe they had a plan that didn't meet the obama care regulations. we're talking about 12 million people, for the vast majority of