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What do you make of that statement that they think it s going to get worse before it gets better? the statement is very true, martha. because what oracle and google and this tech surge have been called in to fix is only going to be the user experience in terms of helping them log in. but once you lock in, there s got to be integration between cgi, the company building the web site, the data hub, between federal and state systems to check eligibility information, and then the web sites, the insurance plans where you actually start to be able to spot shop. and none of these systems today were actually built in sin tony. the problem is each of these vendors went and built their own thing, but there was nobody really overseeing how all of these pieces were going to come together. and having dealt with these kinds of systems with insurance company systems, well jilt systems, this is not something oracle or google or anybody is capable of doing. they have no expertise around ....