>> would you turn to page 9 of that document, please. and it states challenges on page 9 in this presentation by cgi. and it says under challenges, unable to determine at this time whether low enrollment counts are atribable to system issues or due to users choosing not to selector enroll in a plan. so those are two completely different issues, obviously. fw it is a system issue, that's something you have confidence at some point will be resolved, correct? >> yes, sir. >> and if it's a user selection issue, that's an entirely different story, is it not? >> yes, sir. >> okay. now, you know, when you used the phrase earlier about a punch list, that's like having somebody move into a house. someone's buying a new house and they go through and they've been told this house is going to be ready for you to move in on october 1st, they come in and get in and it's not finished. part of the pluming is not