>> i think the main thing we did that probably the federal government should do is that our 1/2 guy or thes, the individuals who are -- we call them connectors because our program is called ky-nect, they go out and look for the people who most likely need the program. they're going to neighborhood festivals, to places where people gather and they can reach out to the people that most likely would need the product. so it's not just sitting in an office waiting for people to call. it's actually going out and recruiting essentially people into the program. i think that's the main difference. but we made our program very, very simple here. at the outset, when we were developing the exchange in kentucky, everybody who was participating was at the table. the insurance companies were at the table, the provider networks were at the table, many community groups were at the table so the whole program was constructed with a lot of cooperation and a lot of