pretty robust guarantees for insurance companies. we don't want that kind of race to the bottom. if you can allow sales across state lines, you need to have minimum requirements that are uniform across the country. there are some ways of actually encouraging competition across state lines and i think we could explore them like if you get license in one state, that license should be able to extend to other states. but don't believe that that competition across state lines is going to dramatically lower health care costs. health care costs are caused by driven health care services so we have to change the use and prices of those services. >> no loss of coverage. this is a big one. >> been hurt by the unaffordable care act will have more affordable accessible health care. they are complaining that the premiums are rising and choices in quality are diminished and they certainly have an access problems, many americans and yet we're guaranteeing those who do have coverage will not be without coverage. >> so the first question is one