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Francisco . Yes, going the Health Insurance or contributing to the city option, the contribution tos the city option as has been indicated previously, the pool and the size of the healthy San Francisco problem, excuse me, the healthy San Francisco program is likely to be reduced and consequently, the contributions that employers make to the city option will be routed to medical reimbursement accounts that are administered by the city for individual employees, these are similar to frankly the Health Reimbursement accounts that are used widely today and administered privately, there are some difference, one of those which i think youre getting to is that the medical reimbursement accounts administered by the city have no prescribers other than them being available broadly for medical services. You said earlier, i want to get the number right, that about 35 of employers that use these hras have not allowed in this past year that the money be used for Health Insurance . That is correct. If

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