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Conversation. how worried are you? look, there are going to be glitches, we've already heard from the heads of the 16 state-run exchanges about whether or not they'll be fully operational or not. how big a concern is this? >> well, you would like them to be operational. you would have liked extensive beta testing. but let's be serious, there will be a lot of revision over the next ten weeks and people have all the way up until december 15th to sign up and pay money for an insurance plan that begins january 1st. we also know from massachusetts that a lot of people come, window shop, come back, ...

Tomorrow, but coverage doesn't begin right away. and they fully believe that most of the new enrollees in a six-month period, so it starts october 1, ends april 1, but most of the enrollees will happen after the calendar year, after this is an instantaneous i've enrolled, tomorrow i've got insurance. you don't have that at the beginning because this is open enrollment in advance, right, for insurance that would kick in at the start of the year. they're also a little concerned that when the numbers come out in october and november, they're going to look low, they believe the numbers will be muc...