everyone. but what will likely happen on this point is that those who are going to take advantage of the association will be those who are already healthy, who do not believe they will have major health care concerns and will go for the lower premiums even if that means lower benefits. that will leave the affordable care act participants with a less healthy older population and that is likely to send premiums up for those who are participating in the affordable care act. arthel: of course, priscila while there's no one-size-fit one-size-fits-all, what will work best for most americans or do state health care plans have a place in there? >> well, it really -- you really need a public-private partnership which is what the