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Somehow not covered by the insurance. We want those folks to be covered. The Insurance Program was to cover the cost in the early years. We know there may have been pent up demand. Day, it isnd of the just to capitalize the business. Dr. Cohen i think it is to keep premiums stable for consumers. You thought earlier in the year that you would be able to move payments and you found out in october that you could not. What is the reason for that . Dr. Cohen it is the math formula. It is the way the data came in from the issuers. That is the way the math worked out. 12 ,re able to pay at which is the dollars coming in, dollars going out. That is the way we are moving forward for this program. We said that we would take from last years collections and pay back. Thank you. I yield back. I now recognize mr. Yarmouth. Thank you very much. Outelp the doctor off a little bit on the background of the coops. One of the things we faced when drafting legislation was that, in certain states, the avail

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