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kind of testing that they had said under oath. i mean, in front of congress that they were doing. they didn t do the things that they said they were doing. that s a problem it was a problem. it will continue to be a problem. i think there are many other problems that they are going to be facing as you look into the immediate future. you have a situation where if you go back to the beginning of 2013, you have okay, this was theoretical issue. americans understood this was coming but they didn t understand what it was going to mean to them. in the latter stages of 2013, americans saw that, in fact, this effect l. effect many people who didn t think they were going to be affected. people who got cancellation notices. people who saw premium hikes. people looking at higher deducted tillables. what s going to happen in the new year is you will have a whole new set of people who get additional cancellation notices and have people whose employer provided coverage will be changing in potentia

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