It is the percentage of premiums that Health Care Companies actually spent on Actual Health care. That at leastnt 80 of the premiums on Actual Health care. Not a marketing or administered costs. Or ceo cost or profit. If they did not, had a rebate with a difference. Rebates. People got and billions of dollars back. It made the Insurance Companies more efficient. Result, part of this was the reason for significant savings. So that the inflation and health in health care since obamacare is less than a has been in the last 50 is. Not that we cant do better. Werentthe things legislative achievements. Time warnere Comcast Cable merger successfully. The only senator doing that. Fog Mental Health in schools as part of the rewrite of the tile left behind which is important to me. Behind which is important to me. One out of five americans end up with some real Mental Health problem in the cymer you catch that. Sooner you catch that. From minnesota, some School Districts have done in minnesota,