william when you were here before you talked about the channels you face. you have a smaller company with a handful of employees. how does the current policies of the government keep you from growing? >> well, you hit the nail on the head, governor. you said that the affordable care act was supposed to bend the cost curve down. my health insurance agent said in 2014 when obama care is substituted you should expect your rates to go up 40 to 50%. after we have seen successive increases year on year of 10 to 15%. the affordable care act is totally unaffordable. further more what is going to happen in small businesses like mine tis the rates will be unaffordable. and employers will no longer