So what can we expect this year? >> well, look, the bill ramps up starting in october 2013. so you are going to have three big changes. it is pouring out of the obama administration and regulations creating thiiss law and practice and this is process of adhok improve swraition -- improve vaw swraition. you willat see more resistance in the states. 26 states have said they won't participate and set up these health care exchanged which will be an insurance market. >>ic a regulatory body and this is where the subsidees will come out. you will see dislocation in the states. the third will be consu...