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is something the state insurance marketplaces cannot count, but rand can. we heard also, go back to something we mentioned a few minutes ago, a lot about young people and the demographics here. let me play this for you. it s not 35%, probably the high 20s, but that s going to be more than enough to get us there and to keep the rates sufficiently stable. that s really what you care about. so, you know, the other part of this is, is long term, and i think you re right, we re going to have to wait and see long term how many people get insured, but the other question is, long term, what is the impact whether or not it delivers what it said it will, which is the affordable care act, whether or not prices will come down and continue to stay down, and i m sure you saw the american enterprise institute compare this to opening day at the hardware store where you re going to have a special, it s sort of like a lost leader and then they are going to jack the prices back up.

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