owners of macarthur's bakery, the family-run business, and, dave macarthur has been with us before and his brother, randy. thanks, guys for being here. randy, let me begin with you. like a lot of small businesses you've got fewer people coming in the door and buying things because of the recession and business is down and obamacare is going to cows more money, at least -- i want to you explain to me how will it cost you more money and what does this mean for you staying in business. >> it already cost us more money, and, since the mandate started taking effect, in 2010, we have had a lot of things that have been mandated as coverages that used to be options, and we have had no cap on premiums, so we have seen in the last two years, two subsequent increase proposals for our health insurance for our 50 lives in our small bakery of 22% the first year and 28% last year.