provide this information in their applications? so regardless of this clause, please comment on the privacy issue and where it's irrelevant. >> in the past, any individual american who was in an employer based coverage, in government coverage like the ones we enjoy, in medicare, in medicaid, in the v.a., a whole variety of plan, that's about 95% of insured americans, had no medical underwriting. had group protections. people outside that consumer protected space were individuals buying their open coverage in an shred market. medical underwriting demanding health records and often going through expensive dr. interviews and getting health records was a standard for that market. pricing could vary widely.