Okay, this is significance of what employees can do, not what theyre considering doing in 2016. One of the reasons we do the survey in time frame that we do it. Karen and i will be tagteaming this presentation this morning. I will walk you through major findings in the survey an observations about those. Karen will come up to talk about key tactics employers will introduce in 2016 to manage Health Care Costs. I will talk about implications for employees during annual enrollment. Then well go to q a. First brief about a National Business group on health. Only nations Nonprofit Organizations that works with employers and devoted to working with employers on National Health care policy issues. Working with them to optimize Business Employment through Health Care Improvement and health Care Management. We have roughly 425 members. These are primarily Large Companies. They, 71 of the fortune 100 and they provide Health Coverage for over 50 million employees, dependents and retirees. So a bi