in the private markets and also goth in terms of what it's been able to provide through medicare, obviously recognized as the gold standard in terms of providing the kind of care that many people are wishing they could sign up for. and so this is going to provide an opportunity for them to do so. we also strengthen traditional insurance through, you know, creating risk corridors, reinsurance and making sure that our subsidies are more generous to more wealthier states, et cetera, to ease the costs for the middle class. we also volume discounts. >> let me bring -- just so our viewers know for those of nem who are not on medicare what's involved in med conveyor. medicare is federal coverage -- it's actually pretty close to what a lot of people call a single pair system. 65 or older or with a severe disable. it's funded by taxes, premiums and the budget. benefit payments in 2015 totaled