charity, et cetera. i don t think this would end up being less than their insurance premiums. gregg: let me point a couple examples to you. ave maria university in florida, they dropped their insurance coverage. so they will pay the penalty. fransiscan university in ohio have dropped their coverage as well. there are a bunch of others who say we can t violate our religious beliefs so we ll drop our coverage. gregg, the groups you named are universities. i m not sure the same rules would apply to student coverage as it would be to employee coverage. there is still some sifting that needs to be done to that. gregg: the bishops rejected a compromise put forward by president obama in february. would have insurance coverage provided by insurance companies and not the catholic employers. to be clear there is no compromise. frankly the obama administration now has put out an advanced notice of proposed rule making. so an initial regulation