that s up to cbo. we are looking at continuous coverage, this is not a novel concept, by the way. you can still find a similar version of this to cover pre-existing conditions and medical part b, medicare part d and in the employer market. we modeled it after that. one of the issues we found is that some people were gaming the system with guaranteed issue. it is not they had a pre-existing condition necessarily, it s that they paid for nine months of insurance, get 12, the other automatically come back into market. that s part of what s causing the spiral downward. what we want to make sure is that if you have a pre-existing condition, unit coverage. and that coverage is not rated on that condition, it s if you let it lapse, if you didn t pay the premium, there is a marginal