individual mandate, which is crucial, the costs are coming down. and so that's what they're afraid of. they are afraid that people are going to try it, they're going to use it, they're going to like it. >> some of the myth they're perpetuating. myth one, premium s will increase, number two, the affordable care act includes death panels and number three, it's a job killer. zeke, take the last one, if you can. >> let's take at last one. there's talk that employers are going to take 40-hour-a-week employees and put them down to 32 hours a week. they looked at it and hours are down a little bit but it's because of the great recession, not because of obama care.