bill: we have stephen moore and jenna goldberg and good morning to both of you. we have the economic side and for weeks now, you wake up in the morning, and there is a handful of stories that are brand-new and fresh. and they are directories of this law. the woman in california said she has cancer, and she has been fighting for years, and now we have an idea about who is the most effective than it appears to be healthy and middle income small-business owners and consultants and lawyers and other self-employed workers who buy their own insurance and is that what you're seeing the erosion of a lot today? >> anyone who earns about