well, we as a small business are in such a pool that we cannot spread these costs around. one of our employees had cardiac bypass surgery about eight years ago. well, the next year when the insurance company got these legitimate medical bills, our premiums went out the roof the next year. so to keep offering coverage to our employees, we had to do two things. first of all, we had to raise our deductibles from $250 to $3,000 for an individual. and secondly, we used to pay 100% of the premiums for our employees. but in order to continue to have coverage, we now require the employees to pay up to 40% of their own premiums. and many of them simply can't afford that. well, what will this bill do to help us? first of all, we'll be in a big pool. so our costs will be much lower. and secondly, it will prohibit