before the election until after the election. what do they say? secondly, we got a new deadline and the new deadline is next saturday, november 30, the healthcare.gov website will be up and running. how confident are they it will be? >> on the 2015 delays, what they say this is something insurers have been asking for because they feel like given the problems already had with the website they are not going to have the full picture of the pool for this year in order to calculate their new figure. >> completely coincidental? >> completely coincidental depending on who you ask. on the website issue, they feel fairly confident that by november 30 this website will be up and running for the vast majority of users. this isn't going to be some new grand unveiling of the website on november 30. this is something they say is gradually improving. they have a lot of statistics saying more people are getting through the website. their big fear is that you are going to have on