250,000 people signing up for an account at the exact same time. that significant increase essentially overwhelmed the system leading to the glitches. the good news is, we're not inventing a new form of physics. we're simply addressing the problem that's been identified. they are looking to find ways to expand that capacity at that account creation step. it will be resolved over the next several weeks. i'm very confident of that. hopefully, this will be a footnote in the challenges when we look back on the process. >> gale, this problem is not limited to the federal exchanges. some states have set up their own obama care web sites and people have had trouble logging on. what do you think is going on? >> well, i want to make a slight addendum to what was just said. there clearly was a volume issue. it would be great if that were the only problem that's been uncovered. at least according to a lot of other i.t., independent i.t. experts, it's been software