thank you, madame secretary for being here. my understanding is that a lot of the companies insurers that have been offering plans in the individual market, the ones sending out these notices, are actually repositioning themselves in the health insurance exchange to offer alternative plans. is that. >> that's true. >> correct? and in addition to those insurers who have been in the individual market, you now have a lot of other companies and insurers providing plans in health insurance market? >> that is true. >> so the way i look at this i went to buy oriole tickets and i got up to the ticket window and they closed the window. but i didn't have to go home because they opened another window a pugh feet away. so essentially what's happening is people are coming up on the renewal period and getting up to the window of the individual