they got to that because they're saying fewer older people will be getting coverage. older people with higher costs will drop off the insurance marketplace. do you agree with that estimate of the cbo -- >> no, we don't. i point again to the fact that apparentlily what cbo looked at was simply the bill pending before congress. it do not look at the regulatory reforms or state innovation grants or the flexibility that we'll allow the states. because that's what the states are demanding and asking for. so that they can care for their most vulnerable population. it didn't look at all the other pieces of legislation that are pending out there that we call from our friends on the other side of the aisle to help us reform the insurance market to provide for greater competition. >> -- have all these questions about, oh, just wait. we have more stuff coming. why not do it all at once so we understand the full package, all phases.