we have a glitch. it needs to be fixed. no question about it. but the law is basically a good law and people will be able to get affordable health insurance. not withstanding the fact they had pre-existing medical conditions or in the past couldn't afford it. insurance companies won't be able -- will be able to put limits on it and take your policy once you get sick. these reforms are -- are already in effect and -- what we need to do is to give people the chance to buy the insurance that the -- promise that will be available to them. >> sfin final question, according to accuse area, which obviously as you know is a nonpartisan evaluator of health care, they are saying health plans are sending hundreds of thousands, hundreds of thousands of cancellation letters that bought their own coverage. the policies don't meet the requirements of the affordable care act. i guess, for example, that could mean if you have a plan, it doesn't provide maternity care. but a lot of people like their plans and didn't want maternity