insurance plans. the contraceptive coverage be at no charge, with no payment required there. what this new rule does effectively allows for a great widening of the number of exemptions. not just based on religious grounds but moral grounds as well, which presumably would allow all sorts of companies, not just religious ones, but all types of organizations and companies to say, based on moral grounds, we do not want to be doing this, which could have an impact on million american women. 55 million american women benefitted by that element of obamacare, according to a study that was commissioned by the obama administration. already we've heard from planned parenthood, the leading group of obstetricians and gynecologists saying this is extremely disappointing. to be clear, it's not settled. this is a situation where the supreme court has yet to weigh in on it. i expect we'll see significant lawsuits on this topic again going forward.