deductible, and we know that this is happening by talking to the folks out there trying to provide the care. a third of the counties in the united states, one-third of the counties in the united states have only one insurer offering coverage on the exchange. five states only have one insurer offering coverage on the exchange. one insurer is not a choice. so we need to make certain that we correct that. in tennessee this morning, it was announced that there are a number of counties that have no insurers offering under the exchange. insurers are leaving the market on the exchange paid last year, there were 232 insurers providing coverage, offering coverage on the exchange, now there are 167. that is a loss of about 30% in one year alone. all of this means that the patients are not getting the care that they need. the principles that we have as our guiding star our affordability. we want a system affordable for everybody. accessibility, we want a system accessible for everyone, a system of the highest quality,