think that's really going to be the measure of success or failure here. we're going to know, you owe, in a number of months whether that's happened or not. right now it's a glass half empty glass half full kind of argument. they say it could have been worse. when you look at mats mass they got 15% and 23% and 23% in the first three months. we are doing that or beating it a little. >> charles? it. >> sounds like a lot of happy talk. this is what we used to call rosy scenario. humana health reports adverse selection, ie the lack of enough young and healthys is worse than they expected. second, if all of this is true, if all of this is exactly as expected, nobody is worried. it's like what happened in massachusetts. why are the insurers and h.h.s. running around scared to death that the move to eliminate the bailout, the government bailout of insurers is underway? and the reason that the premium increase is not a