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Thanks, everyone. Welcome, everyone. They say timing is everything. What better time than for the white house to descrop the news that it is putting off a major deadline on the Health Care Law penalties and what better time to push the deadline until after the midterm elections next year. Monica, you say timing, there is no secret about the timing. No, it is not a coincidence. This is dropping faster than the titanic. They understand, the white house understands that you have tough democrats who wrote this monstrosity. They are saying this is a train wreck and it is so complex as to be incomprehensible. They know this thing is unworkable and now they are hearing from businesses. This is what we have been talking about for four plus years now. Businesses are cutting hours. They are laying off workers. There are higher taxes coming and higher premiums in place. None of this is ready to go. The state exchanges arent ready to go. All ....